The Credit History report is like the Hall Monitor in the world of credit cards. The credit history report will serve as a security for credit card companies to screen out the bad weeds and the good weeds.

However, it might be hard for some of us to maintain that perfect credit history. This is because life is not perfect; some of us will encounter problems in our cash flow to pay off certain bills. When that happens, it damages your credit score more.

The lower credit score you have the harder time it is for you getting a credit card or even loans. Lower credit scores may even give you problems finding a job or an apartment.

To be on the fair side, credit card companies do look at other matters when you apply for a credit card. It will only serve as a consideration. The other thing they look at is your credit history. On your credit history, they will base how many times you