Itchy Feet!

southernscouser

Hi guys!

I'm after a bit of advice.

Just been accepted for the HSBC 0% for 9 months card. Don't know the credit limit yet.

However, I want to apply for another card. Either another 0% or a low life of balance card. Am I likley to be accepted?

My credit rating in December was about 657/poor! But since then have cleaned it up! Got rid of £15,000 worth of unused limits and had someone removed from my file who shouldn't have been on there!

Should I wait until I get my HSBC card through and have transferred whatever I can to that then see where I need to go? Just really want to get it sorted but I guess without knowing what limit they have given me I'm not too sure what to put where!

Think I've just answered my own question really! :rotfl:

The_Boss

I'd wait - the cards you have cancelled might not have shown up as so on your credit report, so it will look like you still have tonnes of credit.

Ideally I'd wait a few weeks to a month. This from someone that has been stung by too many searches in the past.

southernscouser

The_Boss wrote:

I'd wait - the cards you have cancelled might not have shown up as so on your credit report, so it will look like you still have tonnes of credit.

Ideally I'd wait a few weeks to a month. This from someone that has been stung by too many searches in the past.

No they have been updated on my credit report. Got a new one a week or so ago! Think I will levae it a month or so though!

The_Boss

Sounds good - I've never ever missed payments over years of having cards, but my score was 609 in early december due to lots of searches. Now 4 of those have come off, my score is into the early 800s.