We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Credit cards and mortgage application-ready credit file

E&G
Posts: 49 Forumite
Hi
I am looking to get my credit file as good as it can be for a mortgage application, probably in April/May of this year. I currently have three credit cards:
Any advice on whether I should keep the M&S and Aqua cards open or not (showing I don't use available balance/I have available balance to use), and whether I should hang off balance transferring my Barclaycard until after any mortgage application would be much appreciated.
I am looking to get my credit file as good as it can be for a mortgage application, probably in April/May of this year. I currently have three credit cards:
- Barclaycard - Used to balance transfer from previous M&S card. 0% until next month with no additional spending. £1500 outstanding with 4k-ish limit.
- M&S - transferred balance to Barclaycard last year with no further spending. £6000 or thereabouts limit.
- Aqua - used as first 0% card until offer expired then cleared c.3 years ago and never used since. Limit reduces every six months or so and is maybe £1000 now.
Any advice on whether I should keep the M&S and Aqua cards open or not (showing I don't use available balance/I have available balance to use), and whether I should hang off balance transferring my Barclaycard until after any mortgage application would be much appreciated.
0
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.7K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 454K Spending & Discounts
- 244.7K Work, Benefits & Business
- 600.1K Mortgages, Homes & Bills
- 177.3K Life & Family
- 258.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards