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If you get a pre-approved credit card offer in the mail, read the terms carefully before signing up.These credit offers can be very helpful in beginning a credit history, but only if they're through a reputable company.

Not all banks allow people from abroad to sign-up for We Chat payment.

Some of them require a Chinese ID and the process gets you stuck.

The average age of your accounts is a significant part of your credit score; therefore keeping your oldest cards open, even if they are not active or have a balance with them, will typically help one's credit score (but again, it depends on each individual and their circumstances).

Closing a more recently opened card might have less of an impact.

Establishing credit using plastic: If you're just starting out with credit, don't apply for multiple cards at a time.

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