Here's why you should build your credit history
Taking a credit card against a fixed deposits or a gold loan will help you to create a credit history over a period of one year. Once you have build a payment track record, then you can get a credit card which is unsecured or any other loan easily.
By Abhishek Kumar Singh, ApnaPaisa
If I am first time applicant as I have just joined the work force, how can I have a history? Questioned my colleague Shweta.