Pemalite on 19 December 2013
You don't need a credit card to build up a credit rating.
Go to a place that "rents" something like Laptops and Televisions, pay a few bucks a week and you start to build on that credit rating.
I have no credit card, I use debit, I also have a very good credit rating to the point where I can buy a brand new car or home tomorrow if I wanted.
But that leaves me with less disposable income.
Also banks usually take how much you earn into account when giving you a loan too, the more you earn the less risky the endeavor.
www.youtube.com/@Pemalite
