Having a short credit history is not helpful when you need to apply for a loan or take a mortgage. Some people have no credit card at all, and then no history when they need it or asked about that. It takes about three to six months from the time you start using a credit card for the first time to see any kind of activity being reported on your credit reports. Your credit score is better off when it’s at least five years long.If you just got a new credit card, start by making small purchases that you can easily pay off in the end of the month.

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