0% credit card effect on business account

gerardflanagan

I may quit my job in September and start a business. I have cash savings to support me during this time. However, I'd like to bolster them with emergency 0% 2 year+ credit cards.

My credit rating:

• 841/1000 with checkmyfile.
• approx 33% credit utilisation
• No ccjs, all payments made on time

Do I have a higher chance of acceptance by applying for my 0% credit cards with my current mortgage provider and 2 current account banks (Halifax, Santander, Lloyds respectively)?

If I apply for all 3 on, say 1st sept, and apply for a business bank account on, say 1st Nov, will it harm my chances of business bank account acceptance? I don't need any credit line for the business, as it will be well funded by investors.

Thanks

MallyGirl

It might have been a better idea to apply for the cards while you still had a salary. You might not get accepted that readily.
No one will really be able to comment on your chances - have you tried the eligibility checker?

gerardflanagan

I will apply for the credit cards while I still have a salary.

I have done (and passed) eligibility checkers. But they don't really account for the nuances of my situation.

I know no-one can give definites of how the dark art algorithms work, but was just wondering if anyone had any experience or thoughts on it.