House of Representatives and Senate offices will provide health coverage to Members of Congress and designated staff through the Small Business Health Options Program (SHOP). SHOPs were established to administer group health benefits to employees of small businesses.
Individuals with no credit history will have a score of -1. If the credit history is less than six months, the score will be 0. CIBIL credit score takes time to build up and usually it takes between 18 and 36 months or more of credit usage to obtain a satisfactory credit score.
The lowest credit score to get a credit card that is unsecured will likely be at least 650. With that type of score, you might be able to qualify for an entry-level card for fair credit. For the good reward cards you see advertised on TV, plan on having a 700 or above.