How to Build Credit in Australia, New Zealand and Canada

Having a credit card is one of the best ways to build credit. In Australia, New Zealand, closing your credit cards is a better thing to do when applying for home loans according to mortgage advisors. But you kind of need those credit pieces, especially if you grew up with bad credit. Bad credit is so ruthless in America that you could have opened up one line of credit, forgotten about it and moved on with your life. And then 10 years later, you want to buy like a car and they're like, sorry, do you remember that Hello Kitty credit card that you got when you were 18? You never closed it and there's still $3 on it. I wouldn't I