9d • General discussion
New credit file - when first card arrives
For those who have a new credit file, one of the biggest hurdles is actually getting info reported to your credit file.
What we advise clients, as soon as you get your first card, activate it as soon as possible and buy something small as soon as possible.
This gets activity going and something for your statement (which you will be waiting for to give other banks as proof of address).
Another option is to put a subscription on it, like netflix, chatgpt, spotify etc. This is even better as you get monthly utilisation and reporting.
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New credit file - when first card arrives
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