should i stop some off my credit cards ?

moneysavesitself

hi i have an few credit cards

one with llodys bank when i was with them

one that was an Amazon card that has no been moved to mbna so i no longer earn Amazon points on and i have one with my new bank tsb


i can spend around 6k on all the cards together

my question is should i close some down i am looking to get an mortgage at some point and by having so many cards is going to have an effect on this

i not missed an payment on any off the cards i was using the Amazon card for an lot off my spending but was paying off in full with an direct debit.

i would still spend on all the cards an bit but am going to be paying off in full ?

thank you for your help ps i work full time and i am in min wage

Nasqueron

So long as you have 1 card and 1 for emergency (ideally not the same company e.g. mastercard, visa, amex) you should be ok, but I think there will be people who can provide examples of having a handful of cards and getting a mortgage...

Personally I think if you are not spending on the card close it anyway to lower available credit as you might want another card later anyway like a balance transfer or 0% purchase card after the mortgage

Paully232000

from what you have said I cant see it making any difference to a mortgage application if you closed one, two or none of them.