Outlook Money
As credit access expands in 2026, everyday borrowing decisions will play a decisive role in long-term financial stability.
Paying EMIs and credit card dues on time remains one of the most important factors in maintaining a strong credit score. Even small delays are reflected in credit reports, attract late payment fees, and can signal higher risk to lenders.
Relying on minimum payments over a long period can accumulate interest and indicate higher credit risk.
Credit utilisation refers to how much of your total credit limit you are using. Keeping this below 30 per cent is generally seen as a sign of responsible usage.
Every application for a loan or credit card is recorded as a hard enquiry with the bank or credit bureau.
Older credit cards play an important role because they add to your credit history. They show how long you have been using credit and how responsibly you have managed it over time.
Becoming a guarantor on a loan for someone else introduces risk to your own profile. Any delay or default by the primary borrower can impact your credit score as well.
Strong credit profiles are built through consistent behaviour, not through one-time actions. As 2026 unfolds, borrowers who follow a few basic practices consistently are more likely to see lasting results.