Do I need to use my Credit Cards more?

billymadbiker

Hi,
Thinking of applying for a mortgage in the next couple of years.

My credit file shows 4 x credit accounts,
My bank account, A cc with the same bank, a barcaly card cc and my mobile phone contract.

They all show as £0 balance, full set of green markers for the last 6yrs+
(The bank CC shows as a -£1 as the card is in 'credit' I presume this is not a problem?)

I hardly ever use the cards (Limits of £2k and £12k) and never use the O/D (£1.5k) on the bank account.

Phone bill is around £35 p/m, all payments made on time.

Do I need to do anything else to help my chances?
Should I start using the cards for fuel or something and pay off in full each month?
Will I get extra points for this or would I be better off closing them or lowering the credit limits on them?

Thanks!

[Deleted User]

Using your cards, and clearing in full each month, is the easiest and cheapest way of demonstrating solid credit history.