Credit health
Boost your credit score
Scores reward reliability: on-time payments, low utilisation, and seasoned accounts.
Hit these targets
Utilisation
< 30%
Payments on time
100%
Age of accounts
> 5 yrs
1. Pay on time, every time
Automate minimums so a missed due date never dents your history.
2. Keep utilisation low
Pay cards mid-cycle or request higher limits to keep balances under 30% of credit.
3. Leave old accounts open
Closing your oldest card can shorten history—keep it active with a small recurring charge.