Credit checks - Too many?

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Hello all,

Just after a bit of advice, after managing to sort out my credit file (Removal or an erroneous Default by 1st Credit that was not mine), I have tried to become a bit savvy regarding getting the best from the banks.

In the last 4 months I have opened a Barclaycard CC, Nationwide CC and a First Direct account to get the £125 cashback.

I currently have £1300 on the Barclaycard at 0% and am paying just over the minimum with the balance in a loyalty reward ISA, £0 on the Nationwide CC.

I want to open a Halifax Reward Current Account to get the £5 a month and a Santander 123 Current Account to set up for my household bills to get the cashback.

Will the previous three credit checks go against me when opening the current accounts even though I won't be asking for Credit ?

Also, I moved house in May, I am on the register of electors as I have been sent confirmation by the local authority, however how long does this normally take to update with the CRAs? (I have Equifax alerts free of charge, will I get an alert when this change happens ? )

Thanks in advance.

:beer:

BugsyBrowne

3 credit searches in 4 months is way to many and IMHO 1 every 6 months will give you the best outcome.

Current accounts do come with lending so you'll be full credit searched for this on the basis what OD they will set you and 3 applications in 4 months might well decline you an OD.

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Thanks for the reply, i'll just wait for the moment as it was only to get the cashback. I thought that I might be pushing my luck.