criteria for 17 month interest free credit card

katejo

I am considering applying for the above to pay for replacement windows which I need. I currently have 3 cards. One is in regular use (but paid off each month) and the others are empty spares. I took one of them out last August for 6 months interest free to pay off my new kitchen and paid no interest on it. I am wondering whether it would be better to cancel one of my 2 spare ones before applying for an interest free one. Or would banks just look at my clean payment record so I wouldn't matter that I had the two spare cards?
My credit record is very good.

[Deleted User]

What are the total limits in comparison to your income? The limits are more important than the number of cards.

katejo

Deleted_User wrote: »

What are the total limits in comparison to your income? The limits are more important than the number of cards.

A total of just under 10K (approx 30% of my income). The one which I use regularly is 5K but i go nowhere near that figure in reality.

[Deleted User]

You probably wouldn't be rejected on a total limits basis then. But it would do no harm to close one down anyway. Always useful to have at least two cards though (one as a back up).

If you did get a fourth, I would defintely then close one of them.