We've got no credit history here. Which means that no one will consider lending us any money. It also means that we don't look good when we try to rent a place. The way to get a better credit rating is to borrow money, and then pay it back. However, we can't, because no one will lend us any money.
So I went to the Household Bank website, and after much faffing, found a number to ring someone. They'll give us a credit card. Except they won't give us credit, because we have to put the money in first. And they charge $35 to set it up, and then $3.50 per month. So it's a bit crap, but it's the best we can do.
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