How to increase a bank credit score?

To increase your bank credit score in India, consistently pay all loan EMIs and credit card bills on time, as payment history is a major factor. Keep your credit utilization ratio below 30 percent by avoiding maxing out your credit limits. Maintain old credit accounts to lengthen your credit history and ensure a healthy mix of secured and unsecured loans. Regularly review your credit report from bureaus like CIBIL to identify and dispute any inaccuracies. Avoid applying for multiple new credit lines simultaneously to prevent frequent hard inquiries.