I have come to the USA 6 months back and got a credit card right away on the student account. I also received the SSN now.
With all this what are the best practices to build a good credit score over the time?
Also, I have not updated my bank with my SSN. How necessary is that?
Welcome to the country and to the forum.
Basics for you now are quite simple. NEVER miss a payment and keep your overall utilization low (balance verses limit). Stick with these two things for a year or so and you'll open the doors to other credit opportunities while increasing your AAoA (average age of accounts). Within a year or so you can sneak into the 700's with your scores which is considered very respectable by most.
|Total CL: $314.7k||UTL: 2%||AAoA: 6.8yrs||Baddies: 0||Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping|