Does a credit card make it easier to take a loan or finance?
Yes, it will help you to build a credit history. However you should pay your bills on time so that you have a good repayment track record.
In case you haven’t taken any loan or you don’t have any credit card your Cibil score may be -1 or 0 by default. There are few banks which do not process loan applications with -1 or 0 Cibil.
Hence having a credit card will help you to get a loan with many banks because credit card is a proof for the lender about your repayment track record and you credit worthiness.