New Delhi, Sept. 16 -- Maintaining a high credit score, preferably over 750, is crucial for securing favourable credit terms. It also helps ensure easy approval of credit cards, personal loans, home loans, and other similar credit lines.

Building and sustaining a reputable credit score requires patience, discipline, and a well-drafted long-term plan backed by sound financial practices.

Sarika Shetty, Co-founder & CEO, RentenPe, says, "To maintain a high credit score, one needs long-term commitment. Pay your EMIs and credit card bills timely, keep credit utilisation below 25% of your credit limit, diversify credit types into secured and unsecured credits, retain old credit accounts and avoid unnecessary credit enquiries. These will help ...