Credit card history is an important factor when it comes to loans. It is essential in acquiring loan from any lending institutes and from any banks. Credit history reflects the ability of a person and their willingness to pay monthly obligations repaying the borrowed loans. Basically, credit history generally dictates an individual’s future. Not only is it vital in mortgage transactions, it is also used as basis in applying for a new job. Proper education on credit card usage is therefore very vital in building a good credit card score and maintaining a respectable level. [Read more…]