Want good credit?

If you have a credit card, take advantage of its financial features, but use it properly. It pays to have and maintain good credit standing, that's usually dictated by how well you use (and pay) your credit cards.

A close friend of mine have long queued at the US Embassy. You know why her visa application was declined? She doesn't have a credit card.

Responsible use of credit (including loans) will go a long way, if, from the beginning, you'll make effective use of these financial wonders.