Your credit history...

A non-existent credit history can make it hard for you to apply successfully for a credit card.

Fortunately, there are steps you can take to build a good credit history:

• First, apply for a card from an established company. Usually you will be approved for an initially low spending limit.
• Check with the issuer to find out whether they report to credit agencies. You can better improve your credit history if it is being recorded by a third-party.
• Take care of the purchases you charge to your card and send your payments promptly.

Remember that a good credit history will work to your advantage not just when it comes to credit cards. It will also help you when applying for insurance policies, mortgage and card loans.