Credit card electoral roll/address question

sharon1982

Hi

I am wondering if anyone can help me with this query. My boyfriend has never had a credit card before (or an overdraft or any debt whatsoever!) but we are planning on buying a house in the next year to 18 months so thought now would be the time to get a credit card in order to build up a credit rating.

At the moment we are renting from a friend, and so he is on the electoral roll at that address and his pay slips go to that address. However, his bank account and nobile phone bills go to his mum's place still.

Does the electoral roll location need to match the address he makes the application with? Want to make the application as clear-cut as possible - since he has no credit record we don't want to run the risk of him getting declined for a card!

Thanks to everyone in advance for their advice.

NickX

sharon1982 wrote: »

Does the electoral roll location need to match the address he makes the application with?

Definitely!

This is one of the first things that they will check to ensure the applicant is who they say there are.

Being on the Electoral Role at the address from which you are applying is pretty crucial to getting a decent line of credit IMO.