you said you've been here only for 18 months, so it takes a while. And don't listen to guffs like you have to use credit cards.... Common sense, if you have enough money you dont use credit cards. Speaking about credit cards, say you have 3 credit cards, try and make your balance 0 all the time, Use it and pay the balance at once.

The less you owe to others the better credit you have.

timi pahile nai rin ma dubeko chau bhane kasaile timi lai udharo dincha "