hey Biz I'm 21, Uni Student, casual Job, from Australia.

>>1394609
If you can, piggyback off of someone elses credit card (parents, grandparents, family). They don't even need to give you a card to use, just add you to their account. All the sudden, their good credit history become yours.

If this isn't an option, try to apply for an unsecured card with the highest limit and lowest apr. Use it for small expenses and pay it off every month. It will take some time to build a good score so do it sooner rather than later.

>>1394609
Fellow Australian here.

Get a card. I have a CBA one and have always paid my balance on time. Just don't be a retard and you're fine. Cards without annual fees are good, don't worry about any of that awards points bullshit.

With my CBA card, I'm on awards but it's pretty shit. Spending around $1000 a month I make enough awards points to buy petrol vouchers worth slightly more than the annual fee.

I wouldn't worry about getting a great credit rating in Australia.
Unless you plan to finance cars and furniture for the rest of your life it doesn't really matter. Banks don't care very much about credit ratings when giving mortgages unless you have a bad one.
It's not the same as in America.

>>1394661
As an addendum to this, it won't affect whether or not you get approved for a home-loan, but it may make a difference for how much you can borrow, but only into the realm of unreasonable borrowing.
With a 20% deposit a bank will give you the rest without a great credit or any credit history (providing it's not a bad rating). But it might make the difference between being approved or not for a home-loan with <10% deposit, but at that point you shouldn't be thinking about buying a house anyway.

>>1394667
*With a 20% deposit and proven income

Just trying not to be too misleading here.