Welcome to the forum, Jenloong. You might want to post your query in the Armor forum for more responses.
For a beginner, pastel chalk can't be beat. I typically use a Q-tip to apply the ground pastels, sometimes really "scrubbing" it into the surface for a more pronounced effect. You will find that some of the effect goes away after sealing with dullcoat.
Another technique that is quite useful is the use of a wash, which is basically mostly thinner and just a bit of paint. You brush a dark colored wash over the surface, and it will collect around bolt heads, in corners, joints, etc, for a nice dirty look.
If you're new to model building, but handy with an airbrush, you can very lightly spray over the the tank with a dust colored paint, like Tamiya's Buff, to simulate the dust that collects. The idea is to go very light with the paint.