New Delhi, May 19 -- To maintain a credit score higher than 700, so that you become eligible for comfortable terms and conditions on loans and credit cards -- it is recommended to take a number of steps. Primarily, one should take all the bills on time.

It is even recommended to set an auto pay to ensure that you do not miss any payment. Additionally, one should keep credit utilisation quite low - ideally below 30 percent to be able to maintain a high credit score.

I.Pay bills on time: One of the most key factors is thepayment history. Try to pay at least the minimum due before the due date on credit cards, loans, and utilities. It is recommended to set up automatic payments or reminders to avoid missed payments.

II.Keep credit utilisa...