How can students build credit without income?

Students can build credit without income, but you have to do it slowly and safely. The easiest route is becoming an add-on user on a parent/guardian’s credit card and using it lightly for small spends, then making sure the full bill is paid on time every month. Another solid option is a secured card backed by a fixed deposit, because income proof usually isn’t required, and you still build repayment history. If you already have an education loan, keep the account clean and never miss any interest or EMI once it starts, because that repayment track record matters a lot. Avoid taking random “small loans” just for score, and don’t juggle multiple BNPL or pay-later accounts, yeh easy lagta hai but late fees and missed payments can mess up your profile. Keep utilisation low, don’t apply for too many cards at once, and set auto-pay for whatever credit product you use. Bas discipline dikhao for 6–12 months, and your credit history will start forming even without a salary.