# New to Credit Guide

Step-by-step roadmap for first-time borrowers and students starting with an NH/NA (No History) credit bureau profile.

## Key Principles
1. **Starter Cards**: Fixed Deposit (FD) backed credit cards build history without income proof.
2. **Credit Utilization Ratio (CUR)**: Keep monthly utilization strictly below 30% of your limit.
3. **Timely Repayments**: Always pay the Total Amount Due, never just the Minimum Amount Due.
4. **Timeline**: Consistent, error-free usage yields a 750+ score in approximately 12–18 months.

Canonical URL: https://www.thecreditcompass.in/credit-cards/new-to-credit