UK Credit card Credit score explained in Malayalam

💳 How I Manage My Finances Using Credit Cards & Build a Strong Credit Score in the UK

Last year, I earned £158 cashback from just one credit card — and that’s only the beginning!
In this video, I’m sharing how I use credit cards, PayPal Credit, Klarna, and Flex to manage my finances smartly while improving my credit score here in the UK.

We’ll cover everything you need to know about using credit responsibly, building your score from scratch, understanding UK vs Indian/UAE credit systems, and avoiding common traps like Buy Now Pay Later overspending or costly mobile contracts.

🧭 Topics Covered

1️⃣ Why credit cards aren’t bad — it’s how you use them
2️⃣ How to build a strong credit score in the UK
3️⃣ What to do if your credit score is low
4️⃣ What score you need for a mortgage
5️⃣ India/UAE credit history and its impact in the UK
6️⃣ Hard vs Soft credit searches
7️⃣ Klarna, PayPal Credit & BNPL pros and cons
8️⃣ Why buying a phone without a contract saves money
9️⃣ How your credit score saves you thousands in interest

💬 Connect With Me

👉 Follow me on Instagram for short Reels on UK finance & credit tips
👉 Subscribe to this channel for more content on business, finance, and smart money habits
👉 Comment “link” if you want the direct video URL or full playlist

⚠️ Disclaimer

All the information I share in this video is my personal opinion and not financial advice.
Please consult a qualified financial consultant for personalised financial plans suited to your situation.
You may use this content for educational purposes only.
I have referred to multiple verified sources to gather the information shared in this video.

🔍 SEO Keywords

#CreditScoreUK #CreditCardTips #UKFinance #PersonalFinanceUK #MalayaliInUK #BuyNowPayLater #KlarnaUK #PayPalCredit #CreditScoreImprovement #MortgageUK #CreditAwareness #MoneyManagement #FinancialEducation #BuildCreditUK #FinanceTipsUK #UKMalayaliBusiness