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Bank offered credit card? Hope to apply for mortgage pretty soon...
alisara
Posts: 305 Forumite
I am sure this has been asked so many times, but I currently bank with the Halifax and they have offered me a 0% credit card. I do not have any credit other than an overdraft which I rarely use. Although many years ago I was in debt etc... Life has changed and turned around.
I am in private rental, and have been for over 15 years with dd and at last have a deposit saved (will be going for northern irelands co-ownership scheme).
To cut a long question short, the bank recently made an appt for me to apply for a mortgage (I never thought about a mortgage, they just told me to come in and apply) and now this week they offered me a credit card. I do not need a credit card, but wondered if making a mortgage application in the next month if it would be a good idea to take it.
Sorry for such a long winded question!
I am in private rental, and have been for over 15 years with dd and at last have a deposit saved (will be going for northern irelands co-ownership scheme).
To cut a long question short, the bank recently made an appt for me to apply for a mortgage (I never thought about a mortgage, they just told me to come in and apply) and now this week they offered me a credit card. I do not need a credit card, but wondered if making a mortgage application in the next month if it would be a good idea to take it.
Sorry for such a long winded question!
0
Comments
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If you have no need of the credit card then decline the offer.0
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Thank you Thruglemir, I do not need it, but just wondered if it would make things look better or not when I put my mortgage application in.0
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