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Credit cards with/without mortgage
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qbazdz
Posts: 140 Forumite
in Credit cards
Hi All,
I would consider myself and my wife to have at least a good credit score and we have never had any issues with anything more than just a forgotten payment.
We are just in the process of buying our first house and I wondered how is the mortgage going to affect our options for the future with new cards (I have a couple that I would like to do a balance transfer etc).
What are your experiences?
I guess there is no hard set rule for this, but some info would be great.
Thanks!
I would consider myself and my wife to have at least a good credit score and we have never had any issues with anything more than just a forgotten payment.
We are just in the process of buying our first house and I wondered how is the mortgage going to affect our options for the future with new cards (I have a couple that I would like to do a balance transfer etc).
What are your experiences?
I guess there is no hard set rule for this, but some info would be great.
Thanks!
0
Comments
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Once you've moved house you might find it hard to get credit for a few months, they don't like people who have just moved and you won't be on the electoral roll yet.
However in the long term it will make your more credit worthy. Someone who has a house to lose is less likely to declare bankruptcy etcChanging the world, one sarcastic comment at a time.0 -
Exactly the above. I've been offered much higher credit limits since I got my mortgage.
I think they get extra assurance you're not going to just move and disappear the way you can when you're renting, as a purchased address is more fixed.0 -
Applied for a credit Card with the same provider as my mortgage and got a very high limit do guess it all depends! But also since looking around loads of places have upper their credit limit when you have a property under your belt!0
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