Help with 1st credit card.

smj43

Matchedbetter wrote: »

Also, I have deposits to gambling sites because I do Matched betting, will this affect my credit?

No, this wouldn't affect your credit. The only thing that appears on your credit file is credit accounts, with companies that lend you money.

Saints2011

Do you have a overdraft at the moment with Nationwide?

If not going down credit card route look too see if they will offer overdraft as this would show on your current account which shows on your reports all helps for later on, just don't use it or try not to!

[Deleted User]

A couple of thoughts on the gambling -

When you do get a credit card, don't use it on those sites. Firstly you'll be charged fees and increased interest, and secondly youll be more likely to have your rates put up for being higher risk.

Secondly - try to kick the gambling habit a good while before you try to apply for a mortgage, where they will more than likely want to see bank statements. Banks will think twice about lending a few hundred thousand to someone who appears to live in Ladbrokes.