Most people think improving a credit score takes years.
But the truth is — with just two well-managed credit accounts, you can improve your score by up to 100 points in a few months.
Credit bureaus don’t need multiple loans to judge you.
They need clear, consistent, responsible behaviour from even a small credit footprint.
Here’s how two simple accounts can dramatically transform your score.
⭐ Account #1: A Credit Card (Your Biggest Score Booster)
A credit card is the fastest way to build and improve your score — if used correctly.
✔ How It Helps
Builds monthly repayment history
Shows credit utilisation behaviour
Adds long-term credit age
Adds diversity to your credit mix
✔ How to Use It to Increase Score by 50–70 Points
Use only 10–20% of your credit limit
(Low utilisation = strong credit behaviour)
Pay the FULL bill before due date
Never pay minimum amount.
Keep the card active every month
Even small transactions count.
Avoid multiple new cards
One well-managed card is enough.
Within 60–90 days, bureaus reward you with a higher score for showing financial discipline.
⭐ Account #2: A Small EMI Loan (Your Stability Signal)
This can be:
A personal loan
A consumer durable loan
A small-ticket loan
A secured credit-builder loan
Even a ₹5,000–₹20,000 EMI loan works.
✔ Why This Loan Boosts Credit Score
Shows long-term repayment behaviour
Adds depth to your credit history
Improves your credit mix (secured + unsecured)
Helps bureaus assess reliability
✔ How to Use It to Increase Score by 30–40 Points
Avoid missing even a single EMI
Set auto-debit for safety
Keep EMIs affordable (use <10% of income)
Continue for at least 6–12 months
This steady activity creates a strong repayment pattern — a major score booster.
⭐ Why Just These 2 Accounts Work
Credit bureaus calculate your score mainly from:
Payment history (35%)
Credit utilisation (30%)
Credit age (15%)
Credit mix (10%)
New credit enquiries (10%)
A credit card + one loan helps you score in four of these categories at once.
This is why scores rise fast.
⭐ How Many Months to See a 100-Point Boost?
It depends on your starting point:
From 500–650 range: 3–6 months
From 650–700 range: 2–4 months
From 700+ range: 1–3 months
Consistency = growth.
⭐ What NOT to Do (Or Your Score Will Drop)
Don’t max out your credit card
Don’t miss EMIs
Don’t apply for too many accounts
Don’t close old credit cards
Don’t pay only minimum dues
Don’t take high-interest BNPL EMIs
Good behaviour beats aggressive borrowing.
Conclusion
You don’t need 5 credit cards or multiple loans to improve your score.
Just two accounts — a credit card and a small EMI loan — can build a strong credit profile that shows lenders you are responsible and reliable.
Manage them well, and your score can rise by up to 100 points in a matter of months.
Smart credit habits today = bigger, cheaper loans tomorrow.
FAQs
Q1. Can one credit card alone improve my score?
Yes, but combining it with one EMI loan speeds up scoring.
Q2. Do I need a high-income job to improve credit score?
No — only repayment consistency matters.
Q3. Will taking too many loans improve my score faster?
No — it usually reduces your score due to enquiries.
Q4. Can a new borrower use this 2-account strategy successfully?
Absolutely — it’s ideal for beginners with thin credit files.
Q5. Can a secured loan work instead of personal loan?
Yes — gold loan, FD-backed loan, or builder loan all help.
Published on : 13th November
Published by : SMITA
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