Moving

Connectionsounds

Hi everyone

1st time poster, long time lurker, awesome forum with some great advice

I am about to move into my 1st house and was wondering how long i should give it before applying for a new credit card.

I currently have a capital one and mbna card which i have had both for around 8 years, Fairly high credit limits on both of them but use them upto £250 -£400 per month and pay them off in full each month.

Now with moving into my 1st house i would like to take advantage of getting a card like a tesco card (for club card points or a nectar points cc) and a card for virgin atlantic flying club miles. But with the move im wondering how long i should give it before i close the cap 1 and mbna and apply for the new ones..?

Fruit_and_Nut_Case

Best to apply before you move while your address details have been stable and you've been on the electoral register for a while.

giblet10

I didn't apply for any credit until I moved because I understood the Halifax (mortgage provider) could do a credit check right up to the point of completion - as it turned out they only did a soft check one week before completion - and I didn't want any credit searches being recorded that they could see given it seems to knock your score for a time.

Once I moved, one week in the new house, and contrary to anything anyone told me on here, I did successfully apply for three new credit cards - mainly to get 0% deals on household purchases.

Most on here will tell you that if you are not on the electoral roll you won't get any new credit. I have to say, that simply was not the case with me (but do get yourself on the ER anyway).

Connection_K

Thanks for the advice, I think I will give it a few months once I have registered at the new address on the Electoral roll.

Many Thanks again