Pay off stooze before mortgage app?

ricky_v

seatbeltnoob wrote: »

why do you have 6 cards?

2 at 0% on purchases until early 2018 (one gives 1% cashback up to £5/month too).
1 at the time of the original post was 0% on a BT, however the 0% has since ended, balance paid off, now has been replaced by another 0% purchase card until 2019 with a £50 cashback on £500 spend.
1 gives either 0.5% or 1% cashback (via amex), however I currently don't use this as there's better cards to use.
1 gives 0.5% cashback but this is currently only used for purchases in a foreign currency as there's fee free foreign transaction and it's a perfect rate.
1 is only used abroad to withdraw cash abroad (or make purchases if the 0.5% cashback card doesn't work) as that gives me fee free foreign currency at a perfect rate.

A specific card for each use and I paid a massive 4p interest last year when I made a couple of cash withdrawal abroad ultilising the market foreign exchange rate (as opposed to the post office or other bureau de change "no commission" loaded rate. If there's a credit card which either gives me money directly/indirectly, or saves me money then I'll go for it, doesn't matter how many credit cards I have