These mistakes after getting a credit card can be costly, and your CIBIL score will drop immediately.

Credit Card Tips: People often make these mistakes upon getting a credit card, which can immediately lower their CIBIL score. So, pay special attention to these things. Otherwise, you could face difficulties later on.

In the past, only a few people had credit cards. But today, the situation has changed. Almost every household has one, and people use them extensively for everything from online shopping to bill payments.

Many people make mistakes while using credit cards. Sometimes, they make small mistakes that directly impact their CIBIL score and can lead to major problems later on. So, avoid these mistakes.

The most common mistake is not paying bills on time. Many people pay the minimum due amount and then carry the remaining amount over to the next month. This causes the interest to increase rapidly, and banks begin to doubt your repayment capacity. This is why their CIBIL score begins to drop immediately.

The next big mistake is to use the entire card limit. Spending 90 or 100 percent of the limit weakens your credit profile. To maintain a good score, it's wise to use up to 30 percent of the limit.

Many people repeatedly apply for new cards or loans from different banks. This is also not wise. Therefore, apply only when necessary. Otherwise, your CIBIL score may be affected. Some people don't use their cards at all. This is also not the right approach.

Credit scores are based on card activity. If you have more than one card, make the fewest transactions. This will enhance your credit history and help maintain a good CIBIL score. Never make all payments with a single credit or debit card.

Sometimes, people have two or three cards. In such a situation, they close the cards they use less often. But this is not correct. Doing so also affects their CIBIL score. By avoiding these mistakes, you can not only maintain your CIBIL score but also improve it.