Which of the following contributes least to one's credit history?

Using prepaid cards contributes least to one's credit history because prepaid cards do not report usage or payment behavior to credit bureaus. As a result, they do not help in building or improving a credit score. Unlike credit cards or loans, which involve borrowing money and making payments that can be tracked and reported, prepaid cards simply allow users to spend the funds they have loaded onto the card without any credit terms involved. This means that while they can be useful for budgeting or limiting spending, they do not affect a person’s credit history or score since there is no credit extended or repayment obligation.

In contrast, making timely payments on loans, having a credit card, and taking out a personal loan all contribute positively to building a credit history. Timely payments showcase a borrower's reliability and ability to manage debt, while credit cards and personal loans involve borrowing and repayment, both of which are crucial for establishing and building a solid credit history.