I'm no expert but when we wanted a small finance deal a few years ago we were refused...because we didn't owe anyone anything had no credit card and had no history, never missed a mortgage payment since i had one at age 21 either.
Present credit card obtained for and only used for online purchases and cleared by DD immediately.
Financial chap told me they prefer people who might miss the odd payment/need to extend terms etc and incur lucrative penalty charges.
Maybe this is rubbish, but it made sense.
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