To maintain a high credit score i.e., above 700, you should clear your credit card bills and loan repayments on time. Additionally, credit utilisation ratio should be kept below the optimum level of 30 percent.

​To maintain a high credit score i.e., above 700, you should clear your credit card bills and loan repayments on time. Additionally, credit utilisation ratio should be kept below the optimum level of 30 percent.