Category: Personal Finance

When you apply for a loan or a credit card, lenders check your credit score to assess your creditworthiness. But what if you’ve never used credit before? New-to-credit individuals often find it challenging to build a good credit score. However, with the right credit products and responsible usage, you can build a strong credit history...

If you have never taken a loan or a credit card, it means you don’t have any prior credit history and are considered New to Credit (NTC). Having no credit history means there’s no financial data for lenders to determine your creditworthiness. Although it may seem like a fresh start, it also gives you the...