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Mortgages and Credit Cards
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sandyk01
Posts: 86 Forumite

Hi all,
First time posting here so hoping this is in the right place....
We're currently in process of getting a new mortgage as we're moving house. We're sticking with Nationwide and awaiting decision whether we can 'port' and borrow additional money (eek! waiting game is always hard!)
I have an Amex credit card- me and hubby use this on most things because we get cashback at Costco annually so the more we use the more money we get back. My limit is 10k but we rarely ever go over 1k and usually clear this every month. Current balance is 0... so we don't need the credit per se- just want the perks!
So my question is...... should we stop using this card until we complete? (providing Nationwide give us an offer :rotfl: )
Thanks Guys
First time posting here so hoping this is in the right place....
We're currently in process of getting a new mortgage as we're moving house. We're sticking with Nationwide and awaiting decision whether we can 'port' and borrow additional money (eek! waiting game is always hard!)
I have an Amex credit card- me and hubby use this on most things because we get cashback at Costco annually so the more we use the more money we get back. My limit is 10k but we rarely ever go over 1k and usually clear this every month. Current balance is 0... so we don't need the credit per se- just want the perks!
So my question is...... should we stop using this card until we complete? (providing Nationwide give us an offer :rotfl: )
Thanks Guys
0
Comments
-
No.
Continue your normal use pattern and if you say the balance will be zero at completion, make sure it is.I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.0
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