Credit score platform Paisabazaar, in a research, found that 37 per cent of new credit score consumers are under 25. The report titled 'Making India Credit Fit' released on November 7 said that this generation manages more than three active credit accounts as they approach their late 20s. A significant 20 per cent of these consumers handle five or more credit accounts before age 30. While easing access to credit leads to inclusiveness and greater financial harmony, it can also lead to a burgeoning debt trap, the report cautions.