Late and new so help me if possible

Help Needed/ Question

Hi guys, i have never taken credit card till now may be because i am scared that i may spend the money i dont have at that time , but now in recent times i started seeing these cards as tools, so i applied for amazon icic card and then i realized, i dont have any credit score, but i have decent bank balance
so now can anyone share their experience on how to build credit score in most efficient manner
thank you .

Posted Apr 3, 2026, 4:47 PM UTC

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