How can homemakers build credit without regular income?

Homemakers can build credit even without a regular salary, bas thoda smart setup chahiye. The easiest way is to become an add-on user on a family member’s credit card, use it lightly, then ensure the full bill is paid on time every month. You can also take a small, secured credit option, such as a fixed deposit, a secured credit card, or a small secured loan, because income proof ka pressure less hota hai there. Another clean route is to be a co-applicant on a small-ticket loan only if the primary borrower is disciplined with EMIs, because missed payments will hit both profiles. Also, keep your PAN-linked essentials, such as mobile postpaid or utility payments, on autopay so you never miss due dates. The main idea is simple: small credit, regular on-time payments, and low usage for 6–12 months. Dheere dheere credit history ban jaati hai, bina income ke bhi.