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Debit cards and credit ratings

geg1992
geg1992 Posts: 22 Forumite
in Credit file & ratings
Hello,

I'm hoping to get a mortgage in a couple of years so have got a credit card for that reason.

However, about 3 times in the last 3 years, I have gone over-drawn on my debit card, and got a charge of £10 for this.

Will this affect my credit rating?

Thanks.

Comments

  • HappyMJ
    HappyMJ Posts: 21,115 Forumite
    10,000 Posts Combo Breaker
    In all probability no as long as it was repaid within the month. Credit check yourself for the £2 statutory fee and find out if it was reported.
    :footie:
    :p Regular savers earn 6% interest (HSBC, First Direct, M&S) :p Loans cost 2.9% per year (Nationwide) = FREE money. :p
  • geg1992
    geg1992 Posts: 22 Forumite
    HappyMJ wrote: »
    In all probability no as long as it was repaid within the month. Credit check yourself for the £2 statutory fee and find out if it was reported.

    Yeah it was, it was only over by about 83p as well or something silly! :(

    I shall do in a few months time, I've heard checking your score also has a negative affect?
  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    geg1992 wrote: »
    I've heard checking your score also has a negative affect?

    Whoever told you that, punch them. They're wrong.
  • The_Boss
    The_Boss Posts: 5,864 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    geg1992 wrote: »
    Will this affect my credit rating?

    You don't have a credit rating, so the answer is no.
  • The_Boss
    The_Boss Posts: 5,864 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    geg1992 wrote: »
    I shall do in a few months time, I've heard checking your score also has a negative affect?

    You don't have a "score" so this is untrue.
  • Pcready
    Pcready Posts: 3 Newbie
    As HappyMJ says - get your own credit record from Equifax or Experian. It only costs a couple of quid and you can see if there are any other issues that may affect future credit applications.
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