Tesco Foundation Card

onthefencepost

Will be worth paying of more than the minimum payment, this certainly gives you brownie points or better still pay the balance of in full.

tomxlisa

I always pay more than the minimum, but do hold balances on my capital one and store card so have a high percentage right now so might be worth clearing most of it off and let it reflect on my credit reports.

onthefencepost

Also the longer you hold the accounts and the least amount of credit searches always helps. I wont be making any credit searches for a good 6 months+ I've had three searches in the last six months, luckily I've been accepted for everything ive applied for.