Credit card balance and mortgage application

sturgeon

I pay off my credit card every month with direct debit and have always done so. I am conscious I am about to apply for a mortgage and the current monthly spend on my card is quite high, not in excess of my monthly salary though. It's only high as I've paid for a holiday for me and a friend (who has transferred the owed amount to my normal bank account).

It's around £2k or so, and is within my monthly disposable income. Would this be viewed as a 'debt' even if it's not a credit card balance building interest? Should I do anything about it?

Even if I paid some of the owed amount off today, surely the balance won't immediately update on my credit file so it'll be a waste of time. And then the full amount will be taken out my bank in about 2 weeks regardless...

Probably worrying about nothing here but I don't want it to look like I'm living outside my means.

Sedge123

We work month to month by putting everything on our credit card (to collect club card points) and then pay off in full every month. In ten years I have not paid a penny in interest.
When we applied for our mortgage j explained this to the broker and provided 3 months bank statements and three months credit card statements so they could see the payment cleared the balance each month.

betmunch

It depends on the lender you apply to. Some will take what's shown on the credit report, some will accept it will be paid off before completion.

Just tell your broker and they will avoid any lenders that will take issue with it