A healthy credit score is one of the most valuable financial assets a person can have. It affects your ability to access loans, secure better terms, and build long-term financial stability. Many people believe that improving a credit score is difficult, but in reality, it is shaped by small habits practiced consistently. With the right approach, anyone can strengthen their credit profile over time.

The first important habit is making payments on time. Payment history is one of the strongest factors in determining your credit score. Even a single missed payment can have a significant impact. Paying your instalments when they are due shows lenders that you are reliable and responsible. Setting reminders or automating payments where possible can help ensure you never miss a date.

Another habit that contributes to better credit health is keeping your debt level under control. When your outstanding balances are too high, it signals financial pressure, even if you are paying on time. Reducing existing debts gradually, or avoiding taking on too many credit agreements at once, helps improve your financial standing and shows that you manage credit wisely.

A third helpful practice is avoiding unnecessary credit applications. Each time you apply for credit, a hard enquiry is recorded on your report. Applying too frequently can lower your score and give the impression that you are financially stressed. It is better to apply only when you genuinely need credit and when you are confident you meet the requirements.

Monitoring your credit report regularly is another important habit. Errors, old accounts that should be closed, or incorrect information can negatively affect your score without your knowledge. Every South African is entitled to one free credit report per year from each bureau. Checking your report helps you identify mistakes early and gives you a clear picture of your financial health.

Maintaining older accounts, where possible, can also strengthen your credit score. A long and positive credit history works in your favour. When you close accounts too quickly, especially those you have managed well, you reduce the length of your credit record. Keeping long-standing accounts active, even if you use them lightly, shows consistent responsibility.

Finally, responsible credit behaviour is essential. This means borrowing for the right reasons, understanding your affordability, and choosing lenders that operate transparently and ethically. Responsible borrowing not only protects you from financial stress but also helps build a positive credit record over time. When you only take credit you can afford and repay it consistently, your score naturally improves.

Improving your credit score is not about drastic changes; it is about steady, disciplined habits. By paying on time, keeping debts manageable, applying for credit carefully, monitoring your report, maintaining older accounts, and borrowing responsibly, you set yourself up for long-term financial health.

Mali remains committed to supporting customers on their journey toward stronger credit behaviour. Good credit health opens doors, creates opportunities, and sets the foundation for a more secure financial future. With consistent effort, anyone can build a credit profile they are proud of.