Taking out Credit after recent Mortgage

DRMANTISTOBOGGAN

Can anyone advise how recently taking out a mortgage impacts your chances of securing a credit card?


I've been wanting to build up my credit score for a while now but didn't want to take any chances pre-mortgage so left it.
Recently completed on the house so thinking about it again but don't want to throw a load of applications out there and damage an already poor score, especially considering I don't actually need the credit - it's purely a score building exercise (put fuel/shopping etc on card then pay off after statement date).

[Deleted User]

If you've completed, you can now safely apply for credit. If you get one, use it regularly and pay it off in full each month.

Ignore the score - it will drop each time you make any significant change, ie take out a card, close one, spend, clear it - but it doesn't reflect how lenders see you. You just want solid, long term behaviour.

rtho782

If you've just completed, wait till the mortgage shows on your credit file, then you'll find yourself far more credit worthy than you ever expected (I did when I completed 6 months ago!)

TheShape

Each time I've applied for a CC it's asked about my residential status. I expect that being a homeowner is a positive when in comes to assessing suitability for credit. Being a homeowner is an indication of stability and responsibility.

DRMANTISTOBOGGAN

Thanks for the useful replies all, will take them on board.