How long after new mortgage

starM

Hi,

I have taken out a mortgage and will be moving into new property soon.

How long should I leave before applying for a credit card?

Thanks
MS

bengalknights

starM wrote: »

Hi,

I have taken out a mortgage and will be moving into new property soon.

How long should I leave before applying for a credit card?

Thanks
MS

Ideally you want to wait 6 months but no harm in trying a couple weeks after move.

edinburgher

bengalknights wrote: »

Ideally you want to wait 6 months but no harm in trying a couple weeks after move.

On what basis?

I think OP is far better applying for a credit card now if they have been at their current address for a few years, as they will have less address history to complete (and will likely be on the electoral register).

The impact of a credit search/application from the mortgage is likely to be far less problematic than the financial provider failing to find them electronically once their address changes.

I have applied for new credit cards in advance of our last 2 home moves to assist with the costs of new bits of furniture, decorating supplies etc. It's worked well.