Managing your Arro card strategically can help improve your credit score over time. You should aim to keep your credit utilization (the percentage of your credit limit you're using) below 30% whenever possible, and particularly at the end of each month when Arro reports to the credit bureaus. Making all payments on time is crucial, as payment history significantly impacts your credit score.
For the most positive impact on your credit score, you can time your payments strategically. Since Arro reports your balance on the last day of each month, making payments before this date can help ensure a lower utilization is reported to the credit bureaus. Additionally, you can work toward credit limit increases through the Grow program, as a higher credit limit can help lower your overall utilization ratio.