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Making full use of the cards I have
Alexdozza
Posts: 38 Forumite
in Credit cards
Hi all
Just reviewing my cc situation. And after some advice
Current situation :
Halifax clarity - limit 1300. Using this as m everyday spend card ( instead of debit ) and paid of in full. Each month by dd. Usual spend 350pm I Mainly used his for the reward payments. Obviously that's now stopped
NatWest credit card - limit 4700. This was my first credit card. Balance is 0.00. And only used occasionally to keep active andpaid off in full when used.
Tesco BT card - limit 3300. was 0℅ BT now ended . Balance now 0 as transfers to barlacys
Barclay's BT card - limit 9100 at 0% balance 1700 at 90 per month. Will be clear by end of term.
I'm happy with the Barclay's BT. What should I cancel if any ? - tescos ?
I have an existing card offer from NatWest. Upgrade the cc to a reward card and fee is waived and get rewards this would work out 40 per year on my spend lone would double if gave wife use of card too. Should I do this and stop using clarity card ?
I'd ideally like to avoid unnecessary credit apps so would like to utilise my existing everyday spend credit to best ability
Cheers .
Just reviewing my cc situation. And after some advice
Current situation :
Halifax clarity - limit 1300. Using this as m everyday spend card ( instead of debit ) and paid of in full. Each month by dd. Usual spend 350pm I Mainly used his for the reward payments. Obviously that's now stopped
NatWest credit card - limit 4700. This was my first credit card. Balance is 0.00. And only used occasionally to keep active andpaid off in full when used.
Tesco BT card - limit 3300. was 0℅ BT now ended . Balance now 0 as transfers to barlacys
Barclay's BT card - limit 9100 at 0% balance 1700 at 90 per month. Will be clear by end of term.
I'm happy with the Barclay's BT. What should I cancel if any ? - tescos ?
I have an existing card offer from NatWest. Upgrade the cc to a reward card and fee is waived and get rewards this would work out 40 per year on my spend lone would double if gave wife use of card too. Should I do this and stop using clarity card ?
I'd ideally like to avoid unnecessary credit apps so would like to utilise my existing everyday spend credit to best ability
Cheers .
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