Any help appreciated

pvt

Stupidn00b wrote: »

pay all but £100 of the balance (sure i read completely clear balance every month doesn`t help your rating somewhere)

You're wasting a lot of money here by not paying your CC bill in full.

Paying in full will not affect your credit worthiness (as, for example, a mortgage lender might evaluate it) but it may make you look less commercially desirable to some credit card providers that only want to give cards to people stupid enough to borrow money from them at their exorbitant rates.

I would suggest that never paying off your CC bill in full would indicate to a mortgage provider that you're struggling financially - so probably having completely the opposite effect that you're hoping it has.