When I moved back to India, I had a pretty hard time getting a credit card for almost a year and a half because although I was Indian, the bank saw me as someone new to credit. The experience made me realize that for people growing up in middle-class families, what access to credit meant in terms of paying for tuition classes or whatnot.

https://mail.google.com/mail/u/0/#inbox/KtbxLzGcGwqzHHbNRrPsFjLqfMNhprWVrg?compose=CllgCJNtfCjhxmwSkpTCnrwQxTpKXNFmhdVwKfhTGGJqlspkRgGJNLjqBcwrmMmZmxgGNnmvSjB