i have paid and stopped using 4 of my cards. APR lageko card kina bekar ma use garnu bhanera. I still have 2 cards that i am using. As soon as i am able to pay them off(not very soon), i will never use these sucking cards. Life nai barbad parcha yo credit card le, history ko barema sochera k huncha!

Ani arko kura, I was using those credit cards regukarly, paying back more than once in 1 month, had home phone in my name, was paying it on time. But what happened, My score is still just above 600. Ane maile soche, why I need score for now? I have no planning home within 3-4 years, 3-4 years car pani kindina. Why do I need score?

If you wanna make your life easy, don't go for credit card unless u need it really. Kamayo kharcha garyo, jhanjat nai sakiyo...