some answers

speed (如风)
Credit history has all the information regarding your credit card account, auto loan or mortgage, such as when u got ur credit card, what's ur credit limit, what's ur monthly balance, etc.
Getting a credit card is very important, u may have a lot of trouble when u do certain things, such as car rental, etc.
Reapply credit card is very easy, but make sure do NOT apply too many cards at the same time. Too many inquiries is not good as well, when somebody requested ur credit history, it's recorded as well.
Please note, my experience is based on my last 4 years in US, in Canada, it might be a little bit different.
2001-5-16 -04:00
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