Guys,

I too want to know little more about credit history. I have heard about it but don't know exactly what does it mean. As I'm about to open a back account, I need more in detail. Can anyone tell me why do we need to build credit history?

Now that's really helpful for beginners! I wish i'd have known the cons about not having an excellent credit score when i started my credit history... anyways, I also suggest the beginners as the earlier dude did, "Stay out of spending, when you don't have to"..

for hit.the.hot

Guys, I am not asking about the pros and cons of good credit history and bad credit history, but which credit card to apply as a beginner? No annual fee, builds credit history, low APR and rewards for paying on time, which one??????? Please suggest one credit card. 

Try it From State Farm Credit card or Bank Of America, these are the best one to apply as a beginner. As I have experienced from both of the creditors, it is easily approved with certain credit limit. Usually, For beginners, they consider certain credit score and all other stuffs required to apply for the credit cards, Social Security is must. And make sure to apply the student's Visa platinum, with reward. Makes life easy and, it gives you the lowest apr after a year. but for one year its no APR. 

Try it From State Farm Credit card or Bank Of America, these are the best one to apply as a beginner. As I have experienced from both of the creditors, it is easily approved with certain credit limit. Usually, For beginners, they consider certain credit score and all other stuffs required to apply for the credit cards, Social Security is must. And make sure to apply the student's Visa platinum, with reward. Makes life easy and, it gives you the lowest apr after a year. but for one year its no APR. 

Try it From State Farm Credit card or Bank Of America, these are the best one to apply as a beginner. As I have experienced from both of the creditors, it is easily approved with certain credit limit. Usually, For beginners, they consider certain credit score and all other stuffs required to apply for the credit cards, Social Security is must. And make sure to apply the student's Visa platinum, with reward. Makes life easy and, it gives you the lowest apr after a year. but for one year its no APR. 

Try it From State Farm Credit card or Bank Of America, these are the best one to apply as a beginner. As I have experienced from both of the creditors, it is easily approved with certain credit limit. Usually, For beginners, they consider certain credit score and all other stuffs required to apply for the credit cards, Social Security is must. And make sure to apply the student's Visa platinum, with reward. Makes life easy and, it gives you the lowest apr after a year. but for one year its no APR. 

DEKCHIDRIVER JYU MAA BINAMRA ANURODH

Sir,

Mero credit history 5 years bho. Like you said, maile ni student kaal ma credit "youn krida maathi" gare! ahile score 560 chha. 9 wata negetive items chhan, 3 wata key derogatory items chhan. Ghar ko kuro parai jaawosh, yaha ta deraa khojdaa ni credit history maagchha, laajai laagi sakyo. kyaarne? "uhile raand jaanina, aahile raand maanina" bhane jhai bho.

Tapai le negetive items ra derogatory items hatauna easy chha bhanisiyo, kasari ho hajur? guru mantra paam na.

aba creit liyekai hoina bhanna ta milena mero; tara eutai card ko 2-3 wata record raakhdyaa chhan murdaa haru le... kaso garne ho?

Yesai ta Furke, jhan CCard paye pachi kati furkine ho?

I'm re-phrasing my question again for some gurus: 

Closing a credit card does impact the credit score. You should never close the card that contains the history from several years, as the length of credit matters as much as paying bills on time does.

Guys,
What does it mean by $5000 secured credit card?

Dik bro,
Pahila cc ta Haat Paros. Yeti ghotchhu yeti ghotchhu, sablai danga paarchhu. Tyo saala dhoti ko restaurant ma Asti buffet khayera pay garnu paro vanera $50 bill fyakeko ta change chhaina vanchha, aba vetchha tesle dai ko cc. Tyo pani gati parne vo.

@furke