<prompt> Human: Reference back to this postI just checked my credit rating for free at noddle.co.uk. Looking through, everything looks in check. No money owed, nothing ever late. Bank accounts always in credit. But it says my credit rating is 15 poor - wont be able to get credit. I dont understand what Ive done?Assistant: Not sure about your specific information, however credit length and type is just as important as past payment... Basically have you made a big purchase on credit house, car, student loan and paid that back consistently over a long period. Human: Only my overdraft. Ive tried to take out a small loan of 500 before but was rejected. Ive never been able to buy anything on credit since day 1.Assistant: Do you have a credit card? Getting a credit card and consistently paying it off every month will help to improve your credit. If you are young enough, look into student credit cards.Human: Not young enough for a student credit card. Every credit card I have applied for so far has been rejected Im at a bit of a loss :Assistant: have you looked in to getting a secure credit card?Human: I only qualify for high interest credit cards. My idea is to get one to pay my fixed household bills with and balance transfer that cost every month. Other than that I will never use the card. Is this likely to improve my credit score over time?  <response>: As long as you arent keeping a balance month-to-month, the interest rate on the card doesnt matter. If you pay it off each month, you wont be charged interest. I would go ahead and get a card that you qualify for preferably with little to no fees and just make sure you pay it off each month. 