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Halifax remortgage and credit card
Kingfisherdoctor
Posts: 4 Newbie
Good afternoon,
In my haste this morning I withdrew £50 on my credit card rather than my debit card. It was my mistake as I didn’t read the cash point message properly thinking it was simply saying that the transaction wouldn’t incur a fee. I always clear my credit card at the end of each month but have today cleared my card balance, and included the additional withdraw fee and overpaid by a £1 to cover any interest. I know I’m stupid and shouldn’t have the same PIN for both cards and need to be more careful
However, I’m due to complete on a re-mortgage next week and I’m now really worried that Halifax may re score me and that my mistake will go against me. For information my current score is 999 and all indicators are green/very good. Apart from using my credit card and always clearing I haven’t borrowed any new funds since the application 4 months ago. To date, Halifax have only soft searched my credit record so there is a chance that they will hard search and/or my application will be selected for audit now I’m nearing completion.
Any advice/reassurance gratefully received. Thank you.
In my haste this morning I withdrew £50 on my credit card rather than my debit card. It was my mistake as I didn’t read the cash point message properly thinking it was simply saying that the transaction wouldn’t incur a fee. I always clear my credit card at the end of each month but have today cleared my card balance, and included the additional withdraw fee and overpaid by a £1 to cover any interest. I know I’m stupid and shouldn’t have the same PIN for both cards and need to be more careful
However, I’m due to complete on a re-mortgage next week and I’m now really worried that Halifax may re score me and that my mistake will go against me. For information my current score is 999 and all indicators are green/very good. Apart from using my credit card and always clearing I haven’t borrowed any new funds since the application 4 months ago. To date, Halifax have only soft searched my credit record so there is a chance that they will hard search and/or my application will be selected for audit now I’m nearing completion.
Any advice/reassurance gratefully received. Thank you.
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Comments
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It's not a huge deal and your credit score is made up.
Rest easy.0 -
Four months for a remortgage?
Blimey.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 -
Kingstreet - Four months for a remortgage?
Anticipated an interest rate rise so wanted to fix at a cheaper rate. Arranged offer in advance of needing it at the end of this month. I’m pretty organised and normally sensible hence why I’m so annoyed that I pulled the wrong card this morning...you live and learn.0 -
But... Halifax?
Plenty of reasons to use them, but their rates aren't normally that great.
Nothing offered by your existing lender?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 -
It was the offer the broker came back with and better rate than current provider. Anyway, I’m still worried that it will fall apart because of this stupid error! Hopefully the CC company won’t update the record until after the mortgage completes. I can explain the situation to an underwriter anyway as plenty of cash in my current account and no overdraft in use. I’d rather I didn’t have the facility to draw cash on my credit card tbh!0
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cindy7u - reported again...0
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Any advice from actual mortgage brokers or anyone who has been in similar situation? Thanks in advance 🙏0
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It wont show on your credit report until the next credit card statement is produced. So dont worry about it.0
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