We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Mortgage Renewal in Sept - OK to apply for new credit card now?

I have one very old card with a very high credit limit on it with a zero balance, that I am going to keep in line with Martin's advice.

But I have two cards with balance transfers on them, both at 0%, but one runs out in September around the time I will be renewing my mortgage. I was thinking of getting a new long term 0% card now, transferring both balances and cancelling the two cards, leaving one old card, one Halifax Clarity which I will need for holidays, and the one new one.

I checked my credit rating today on Experian and it was 999, so I am hoping if I apply for a new card now and cancel the others, everything will be ok for the mortgage come August/September.

I'm new to this forum, so very grateful for any advice. Thanks!

Comments

  • 7-8 months in between, should be ok.
    Marriage is hard. Divorce is hard. Choose your hard.
    Obesity is hard. Being fit is hard. Choose your hard.
    Being in debt is hard. Being financially disciplined is hard. Choose your hard.
    Communication is hard. Not communicating is hard. Choose your hard.
    Life will never be easy. It will always be hard. But you can choose your hard.
  • Thanks - will check to see on eligibility checker
  • Do not use all of these Private Money Lender here.They are located in Nigeria, Ghana ,Turkey, France and Israel
    My name is Margret Buchan, I am from United State. Have you been looking for a loan?Do you need an urgent personal or business loan?contact Morris And Company Trust Fund Limited he help me with a loan of $800.000 some days ago after been scammed of $12000 from a woman claiming to be a loan lender but i thank God today that i got my loan worth $800.000.Feel free to contact the company for a genuine financial service. Email: morristrustfundlimited@hotmail.com USA Florida +18503666201
  • MargretBuchan,

    Thanks for the information. I am afraid I took out a 4,567,921 million dollar loan this morning from a guy in Nigeria. I found his details in my spam mail just yesterday.

    No credit checks required, I just provided him my passport information, bank and sort code details. Seemed totally legit and completely legal!

    Tomorrow I will fly to Amsterdam and collect my money in person at the airport.
  • mcpitman
    mcpitman Posts: 1,267 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Do not use all of these Private Money Lender here.They are located in Nigeria, Ghana ,Turkey, France and Israel
    My name is Margret Buchan, I am from United State. Have you been looking for a loan?Do you need an urgent personal or business loan?contact Morris And Company Trust Fund Limited he help me with a loan of $800.000 some days ago after been scammed of $12000 from a woman claiming to be a loan lender but i thank God today that i got my loan worth $800.000.Feel free to contact the company for a genuine financial service. Email: [EMAIL="morristrustfundlimited@hotmail.com"]morristrustfundlimited@hotmail.com[/EMAIL] USA Florida +18503666201

    I take it you have moved from Australia now then....

    A quick google to this site http://www.morristrustfundlimited.com/credit-card.html highlights your web of lies.

    "Hi,am Margret Buchan from Australia am in need of a loan and a friend of mine introduced me to a loan firm called MORRIS AND COMPANY TRUST FUND LIMITED they gave me loan @ 2%. I really thanked God because i was able to meet my needs with the loan of US$105,000 for my business. If u are in need of loan, you can contact him at ( morristrustfundlimited@hotmail.com )MORRIS AND COMPANY TRUST FUND LIMITED is 100% Guaranty without any Risk. Visit them now.Tel +18503666201"
    Life isn't about the number of breaths we take, but the moments that take our breath away. Like choking....
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.7K Banking & Borrowing
  • 253.4K Reduce Debt & Boost Income
  • 454K Spending & Discounts
  • 244.7K Work, Benefits & Business
  • 600.1K Mortgages, Homes & Bills
  • 177.3K Life & Family
  • 258.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.