New Delhi, Feb. 7 -- Maintaining a credit score above 700 (measured by CRIF High Mark, Experian or Equifax) calls for credit discipline. This means one should clear one's credit card bills and loan repayments on time.

Additionally, one should keep the credit utilisation ratio (CUR) under the optimum level of 30 percent. Aside from this, one should make sure that a healthy credit mix is maintained. It is also advisable to regularly check your credit score and dispute the mistakes (if any) in order to get them rectified.

I. Keep credit utilisation ratio at the optimum level: To keep credit score high, one should keep the credit card limit at the right level. For instance, if your credit limit is Rs.1,00,000, one should refrain from spendi...