transferring 0 balance to a new card?

tuftyclub

Currently I have both an egg savings account and egg credit card. I pay a few hundred pounds per month into this account so that I can quickly clear any credit card spending and build up further savings.
This has worked for me for years, and there is now a good few thousand in that account

Alas since Egg has sold my card to Barclaycard I will be moving both the card and savings elsewhere, as I don't see why barclays should get my savings for free


Currently my card balance is at zero. There is about 3.5 k in the savings account


Although I am 41 I have never had a loan etc,(a few mobile phone contracts and credit card only) and am considering purchasing a house sometime so I want to have the best credit rating possible.



So from a credit rating perspective I would appreciate if people could advise whether I should:

• Just cancel the egg card/barclaycard and get a card of my own choice with associated savings account.
• Transfer the zero balance credit card to a new card of my own choice with associated savings account

Would I be best to keep the barclaycard anyway? I don't want nor need it - but I would like the same amount of credit avail - it's about 5k at the moment though I have never used more that around 2k (on hols- swiftly paid back over a few months

Grateful for any advice

thegoodman

Get the 2nd card first to find out what limit you get.
The saving you can keep whereever you like

tuftyclub

Thanks - that's really sensible. I guess I can pay the cc from any account