The credit reporting agencies in Australia don’t get any information about whether you are using your card or not, just whether or not there are overdue payments. So if you think having that credit record would be useful (and it is much less important here than in USA) you could get a no-fee credit card and not use it. That will give you an ongoing history of having a card with no missed payments.
Ah, I considered doing that to build good credit but my brain gets so scatty I wouldn’t be able to handle it.
The credit reporting agencies in Australia don’t get any information about whether you are using your card or not, just whether or not there are overdue payments. So if you think having that credit record would be useful (and it is much less important here than in USA) you could get a no-fee credit card and not use it. That will give you an ongoing history of having a card with no missed payments.
Good idea