Applying for CC new address

enginesuck

Hi,

I have just bought house and moved in, the mortgage was the first credit I have got in many years apart from mobile contracts and insurance, my question is this - When will my change of address no longer affect credit decisions ? We have changed our address with our Banks, Council (electoral roll) and all other utilities as of 10/7/14.

Also I'd like a card that gives 0% on purchases and has no fees abroad as I travel frequently on business (although I have a corporate card which is not linked to my personal file)

Thanks

thebritishbloke

Usually 6 months after you've successfully been added to the electoral roll.

You won't get a card that has a 0% purchases period AND no fees abroad. The favourite for abroad spending is the Halifax Clarity card. The current best 0% purchases card is Tesco/Santander at 18 months 0%.

msallen

thebritishbloke wrote: »

You won't get a card that has a 0% purchases period AND no fees abroad.

It may be difficult, but its not impossible. I currently have that on the Santander 123 CC (but you do have to be a Santander Select customer for the no fees abroad part).

enginesuck

I'll look into that thanks, mortgage is with Santander anyway.

SuperHan

thebritishbloke wrote: »

You won't get a card that has a 0% purchases period AND no fees abroad. .

I raise you the Nationwide Select.

If you open their current account now and meet their criteria (easy enough to do - open a FlexDirect and cycle £1,000 per the account per month and get 5% interest for 12 months or open a FlexAccount and cycle £750 through and have a couple of DDs set up)

Plus cashback on sterling purchases.

http://www.nationwide.co.uk/products/credit-cards/select-credit-card-offer/features-and-benefits

**edit**

It also appears they do cards for non main account holders. In this case, you accrue a 'commission free' spend for all your sterling spends. So for every £1 you spend, you can spend 20p abroad interest free. Also has the 15 month 0% on purchases

thebritishbloke

SuperHan wrote: »

I raise you the Nationwide Select.

If you open their current account now and meet their criteria (easy enough to do - open a FlexDirect and cycle £1,000 per the account per month and get 5% interest for 12 months or open a FlexAccount and cycle £750 through and have a couple of DDs set up)

Plus cashback on sterling purchases.

http://www.nationwide.co.uk/products/credit-cards/select-credit-card-offer/features-and-benefits

**edit**

It also appears they do cards for non main account holders. In this case, you accrue a 'commission free' spend for all your sterling spends. So for every £1 you spend, you can spend 20p abroad interest free. Also has the 15 month 0% on purchases

That's amazing, I remember looking at the Flexdirect current account for when I fill my two TSB's, but I didn't realise they had a credit card. That's a cracking deal! Even the FlexPlus account is amazing value for money.

Wish I could get it now, but I don't want to open it until I have my TSB's filled so I can shift money across for the interest Just over half way there in 4 months!