Credit History -really matters

Try to get credit card as soon as possible (If you have a chance, try with your employer). In my case i got the credit card before i got the S.S.N through my employer reference.


Some of my friends told me that we can get secured credit card by depositing our money in advance.




As per my friends inputs credit history will depend on below points.


1) Credit card repayments
2) Mobile bills and all other bills
3) Loan repayments

Tips to increase the credit history(as per my experience):

• Its always better to use the 50% of the total available credit in any credit cards.
  
• Its suggestible to have few credit cards.
  
• I hope there 3 free chances to check the credit history in one year, if you check more than 3 times then credit points will be decreased.
• If possible take the loans & repay the balance with in time to maintain the credit score.
  
• Better to avoid taking shop based credit cards for small advantages.
  

Related Topics:

• Debit Card
• Credit History
  
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• BOA - Partial Secure Credit Card
  
• Money 2 India