Building a new credit rating fast when u arrive in Money & Finance Posted 1 hour ago · Edited 1 hour ago by Marisawright 6 minutes ago, mt9754 said: That’s good to know but i think it’s still important in the early days. For example, my partner wasn’t able to get a phone contract until they had a credit history. We did the Amex Global Transfer CC and a couple of weeks after it arrived it unlocked getting a phone contract. That sounds weird. I got a phone contract in the UK immediately, with no credit history at all, and the UK is generally much fussier than here. I wouldn't touch Amex with a bargepole, not universally accepted and sometimes incurs surcharges and fees where other credit cards don't. I guess it's fine to get the short-term credit rating but I'd be cancelling it after that.