What Should I Do To Build My Credit Score Without Spending Much Money

Utilize it to less than 20% of the credit limit every month and pay it back within the due date. Call the bank every 6-12 months asking them to increase your credit limit. Keep on repeating it. Do not ever close that account. To build your credit score you don't need any debt, you just need a regular payment history, regular low balances on your credit card and length of credit history. Later on, when you avail of different kinds of loans like a car or a home loan, they will help in improving your credit. But to start you need at least 1 credit card, because the credit score is based mostly on this credit card.