Quote (Xandriia @ Jan 15 2012 10:41pm)
Tis not what I said.
Its very difficult to get credit cards/loans if youve never had one.
no way, not in my experience.
if you shop at a retail store often, ask them about opening a credit card with them - every little bit helps, especially if you manage your funds well spread around 4-5 cards, make your payments IMMEDIATELY following your purchases, and do a "large" purchase every 1-3 months.