New Delhi, April 12 -- Building a good credit score without using a credit card is achievable with consistent fiscal practices and financial discipline. Instead of using credit card history to prove that you have a strong credit profile for future borrowing needs, you can instead show that your fiscal habits are in line with the creditworthiness requirements of banks and NBFCs.

A clean credit profile will be useful when you apply for a credit card, home loan, mortgage or personal loan in the future; and is possible through proper planning.

Your credit score is a three-digit number, determined by your past credit behaviour. It indicates to lenders that you are financially responsible. Lending institutions often assess the creditworthines...