Renewing mortgage while having a number of credit cards (used properly)?

JustAnotherSaver

I asked in the credit cards forum but really i suppose this forum would've been better for this question.

November 2018 is when our 5 year fixed rate is up. We like the certainty of a fixed rate so we'll probably end up locking in for another term although whether the duration is 5yrs again or not who knows.

I've made some posts recently after finding out about Tesco removing their direct debit feature of their savings account which will result in me either having to close a number of accounts or find alternative ways to meet their 2 direct debits requirements. I've done a bit of looking in to this the past few days and it's looking like a case of take enough credit cards out to cover the 2 direct debits requirements on a number of accounts or close them (the accounts) and lose the interest i could get.


My wife & I already have a clydesdale credit card each.
I have a Sainsbury's credit card & a HSBC credit card
My wife has a Halifax clarity i think it's called.


I earn approx £21k per year my wife is probably around the £17k-£18k per year. Some of these cards have been offering me £5k, overdrafts of similar figures too.
There'll be 25yrs remaining on the mortgage with somewhere around £90k to pay off.


I'm just wondering if we take out cards to cover the direct debits and use them properly (e.g. buy a bottle of coke on one card, pay for a tank of fuel on another & then pay them off in full to satisfy the direct debit requirement)

is this likely to hinder us come November time when we're renewing our mortgage deal? As although we'll be paying everything off on time we'll have a lot of available credit to us.

JustAnotherSaver

Damnit i meant to post this in mortgage free wannabe.

Not doing well at this :rotfl:Can a mod please move the thread?