What's next for me? Journey to a good credit history

ryuuoo

Hi all,

I am a 20 year old who wants to have a good credit history so I can apply for a mortgage in not that far a future. I am wondering what I should do next regarding my credit cards and how I should use them.

So far I've got:

Barclaycard Freedom Rewards (over 1 year now). £500 limit
HSBC Student Credit Card (5 months) £500 limit
HSBC 0% overdraft £500 limit
Halifax Clarity (4 months) £500 limit

I put around £150 on the Barclaycard every month and pay it by DD.

I put most of my spending (£350-£450) on my HSBC CC and pay it off by DD.

Haven't touched my overdraft at all.

I applied for the Clarity just before I went on holiday and used it throughout my trip. Made extra payments but now plan to put around £100 on it and pay it by DD.

What do you think I should do? Lower my usage on them? Work towards increasing my limits? Live with them for a while? Will having them help me better my score?

I've got one year left at uni, I work part time now, am saving up for a deposit, and have prepared myself to work full time at the same company once I finish my degree which will leave me with around £20000 p/a. In order to get a mortgage/afford it what steps do you recommend I take?

Am I doing something wrong? Will this work?

Thank you for your time and input.

grumbler

You don't need to do anything new/special. Just keep doing what you've been doing so far.

PeacefulWaters

1. Be registered to vote.
2. Use on card every month and then clear the balance in full.
3. Pay all your bills when due.