General

If you want to give a good credit rating from the bank, that is the best.

Anything you want from the bank will mean they will check your credit record. If you are someone who likes to spend money, to use your credit card and never pay on time, this is very bad for your credit record.

If your pay your rent late, this is also bad. If you pay the hydro, the gas, etc., late, the bank checks this for your credit record. I suggest you pay on time. Do not use money that you do not have.

Then, your credit record will get better, and you can access a more credit. You can apply for a mortgage, or for a credit line and this can help you to buy what you want.