NH means No History. As you haven't availed a credit card or a loan you dont have a score. If you have used the credit card for 6 months and still using it, you must have got a score now. Make sure that you are using it wisely and also making payments on a regular basis. This will help you to increase your score.

Before applying for a Personal loan make sure you check your Credit score. You need to have a score of 750 and above to get a Personal loan with good rate of interest.