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Remember those days when you just started working and got paid in your first IT job? Remember how you used to roam around flashing your ID/ Access card to prove that you were no more a student and get paid every month? Many of us goes through a similar phase and I have no shame to accept that Yes, I was one of them.
The most exciting part was those tempting offers for new credit card!!! Some sales people used to stand in front of our office building to promote their credit card with so many lovely offers. Get one movie ticket free every Thursday! Get some free travel package! Get discounts at pantaloons or shoppers stop! Everything they used to offer were so tempting, but only initially! Slowly, those offers lose their charm. Then, you had to learn the art of refusing. Well, I had gone through that phase too. When there was not a single place for any new credit card in my wallet, I knew that I have to start saying a 'NO'. I mastered that art!
But now, things have changed. I moved to United States. Here, first time I heard about 'Credit History'! I went to a renowned Bank and asked for a credit card. I was surprised and shocked after what I heard! 'Since you are new to this country and do not have a credit history, we can't get you one free credit card!' I thought to myself, 'Are you serious? I walk to the bank myself and asking for a credit card and you are denying?'
But, that's how it is! I learnt, I have to build my Credit History to get eligible for a credit card or a loan.I couldn't help asking 'If I don't have a credit card then how am I expected to build that remarkable history?!' I was offered a secured credit card ( Read it as - buy a credit card) ,build a history and then proudly apply for a new one, when it is established that I do well on credit! Oh, that's different!
But that's not the only difference. I convert my weight in kgs from lbs every time I stand on the weighing scale. I change the temperature to celcius whenever I am on the weather app and the list goes on and I really wonder why everything has to be so different!
The most exciting part was those tempting offers for new credit card!!! Some sales people used to stand in front of our office building to promote their credit card with so many lovely offers. Get one movie ticket free every Thursday! Get some free travel package! Get discounts at pantaloons or shoppers stop! Everything they used to offer were so tempting, but only initially! Slowly, those offers lose their charm. Then, you had to learn the art of refusing. Well, I had gone through that phase too. When there was not a single place for any new credit card in my wallet, I knew that I have to start saying a 'NO'. I mastered that art!
But now, things have changed. I moved to United States. Here, first time I heard about 'Credit History'! I went to a renowned Bank and asked for a credit card. I was surprised and shocked after what I heard! 'Since you are new to this country and do not have a credit history, we can't get you one free credit card!' I thought to myself, 'Are you serious? I walk to the bank myself and asking for a credit card and you are denying?'
But, that's how it is! I learnt, I have to build my Credit History to get eligible for a credit card or a loan.I couldn't help asking 'If I don't have a credit card then how am I expected to build that remarkable history?!' I was offered a secured credit card ( Read it as - buy a credit card) ,build a history and then proudly apply for a new one, when it is established that I do well on credit! Oh, that's different!
But that's not the only difference. I convert my weight in kgs from lbs every time I stand on the weighing scale. I change the temperature to celcius whenever I am on the weather app and the list goes on and I really wonder why everything has to be so different!
