We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Which card to get
KnightSmile
Posts: 252 Forumite
grateful for advice on when to time my credit card application. I have a (normal) Halifax credit card with £400 balance outstanding. I currently pay off the full balance every month as its used for day to day purchases and I wanted to build up my credit rating as I will be applying for a mortgage in September 2013.
I am now looking to get the Halifax credit card with the 17 month 0% offer. My question is when to do this. If I apply before my mortgage application will this complicate the process or adversely impact my credit score? Is it better for me to wait until I have sorted the mortgage before applying? Would it affect the amount I was offered?
thanks
KS
I am now looking to get the Halifax credit card with the 17 month 0% offer. My question is when to do this. If I apply before my mortgage application will this complicate the process or adversely impact my credit score? Is it better for me to wait until I have sorted the mortgage before applying? Would it affect the amount I was offered?
thanks
KS
0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.4K Banking & Borrowing
- 253.7K Reduce Debt & Boost Income
- 454.4K Spending & Discounts
- 245.4K Work, Benefits & Business
- 601.2K Mortgages, Homes & Bills
- 177.6K Life & Family
- 259.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards