Here is how to build credit score as a student. Understand What a Credit Score IsA credit score is a number that shows how reliable you are when it comes to paying debts. Some banks even offer student accounts that can later qualify you for small credit facilities, such as overdrafts or student credit cards. Get a Student Credit CardIf you are eligible, applying for a student credit card is a great way to start building credit. Monitor Your Credit Report RegularlyOnce you start building credit, it’s important to check your credit report regularly.