Without a credit history, banks usually do not approve credit cards for a consumer as the credit history is meant to show creditors, if the consumer is reliable and can make payments in a timely manner. When one is given credit, the monthly repayment and the closure of the credit shows a good sign if the consumer can be trusted to pay the new credit applied for.
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All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.