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Building Credit History Without Carrying Debt Using Zero Balance Strategy
Use small monthly recurring payments and pay them before statement to report near zero utilisation.
Using your credit card only for small predictable recurring spends such as OTT or broadband and paying the bill in full before the statement date reports utilisation close to zero.
Since CUR impacts nearly 30% of your credit score, consistently reporting 0%-10% utilisation can lift and maintain a score above 770+ in less than 9 months.
This method builds monthly positive repayment cycles without interest risk, avoids emotional impulse spend and establishes score growth without carrying expensive revolving balances.