I am writing to inquire about effective methods to improve my CIBIL score without having a credit card.

I understand that a good CIBIL score is essential for various financial opportunities, but I have chosen not to have a credit card at this time. However, I am eager to explore alternative ways to enhance my creditworthiness and boost my CIBIL score.

I would greatly appreciate it if you could provide me with some valuable insights, tips, or strategies that can help me achieve this goal. Whether it’s building a positive credit history through other means or optimizing existing credit facilities, any guidance you can offer would be immensely helpful.