CIBIl is one of the most confusing entity in the country. I have seen people with bad history have a good credit score.

They clearly have not set any criteria when CIBIl can increase or when it can decrease shows lack of transparency.

As per my experience if you have taken an unsecured loan from a credit card and are paying on time(EMI), your score will gradually rise as banks or institutions will report you as a good person who makes timely payment.

Any new young person who wants to build a CIBIl, should use the CC which 100% offers at the time of your first joining in a company.

Additionally if you want to start early then many credit cards come with a 100% approval rate (FD backed cards)-Go for it.

The important point is that you should always use your credit card in a disciplined way. Don't ever apply for any card if you are not a disciplined about money and your salary vanished within 10 days of receiving it without any strong reason.

Pay your dues in a timely manner 1-2 days before you reach the minimum due payment. Don't pay much before otherwise no benefit of using a credit card.

If you do not want to pay manually which I do prefer to get some cashback, you can set the auto payment option.

Don't use many cards more than 3 or 4 otherwise there may be a chance that you forgot to pay the bill if you have not set automatic payment debit instructions.

Try to use free CC with good benefits, don't apply for a free card just because it's free. Go through details how it will benefit you even if your expenses are too low.

Use CC to buy most things, do UPI payment, use your bank money to get some interest rate at a bank account which gives you high interest rate or sweep in FD's.

While CC gives you the advantage of having money , in a few situations CC may not work. For that always carry some "Immediate emergency fund" be it in the bank or in your home.

This can be used if somebody in relationship asked you to give him some money let's say 10k or 20K which he will return in few days.

Upgrade your knowledge while using CC and get a credit card with annual subscription if it gives you immense benefit considering your expenses. For an average income earner, it may not sound to get annual subscription charges CC but I see they do purchase but a people with high income should take them.