desthemoaner wrote: »
... I'm fascinated to hear that having a credit card but not using it might have a negative effect on one's credit score.
I have a Cap One card with a hundred quid on it, and a Barclaycard that I haven't used for over 12 months.
I'm now wondering whether I should make a small purchase on the B'card so that I don't plummet into the credit score doldrums. Is that really likely?
chuckley wrote: »
never rely on one CC, it WILL fail.
Gouki7851 wrote: »
I believe grumbler meant if you have a high credit limit to income ratio this can negatively affect your credit worthiness. But as aqua do not give high limits this is unlikely. Not using a credit card will not have a negative affect , unless the issuer lowers the limit which may make your utilisation of credit higher, which could have an effect.
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