Kabhi loan nahi liya…credit card use nahi kiya…aur ab future me: leneka plan hai? 👉 To sabse pehle aapko build karna hoga: 👉 Credit History 👉 Reality: India me “no credit history” bhi problem ban sakta hai. Banks sochte hain: ❌ “Is person ka repayment behavior kaise judge karein?” 👉