Your credit score helps lenders decide whether to lend you money for things like mortgages, loans and credit cards. But your score depends on if you have ‘good credit’ or ‘bad credit’.
You can get bad credit when you’re unable to keep up with payments, regularly pay late or don’t keep to your credit agreement. This could lower your credit score and makes it harder to get accepted for credit in future.
You could maintain your credit score by sticking to your credit agreement and managing your finances well. This means always paying on time, paying at least the minimum amount and staying within your credit limit.