The best and the most important of all is to always be on time and regular in payments. Generally, when we borrow from banks, we are required to pay interest amount on or before a specific date. Do it on time and safeguard your credit rates from any defaulting notes.
A basic thing to be understood is that credit is not something that is built or rated overnight. You need to be authentic and right from the beginning and generally, financial institutions like to look at your historical records too to rate you better. So start being careful with your credits from the first day. Find out more from the official websites of the rating institutions.