Credit card advice

Lydia_f

Looking for some advice:

My partner has a 0% card with Lloyds. He got it about 2 years ago but has never used it and the 0% expires this month. Now we are thinking of renovating the kitchen and might need a credit card to pay for it. What would be the best thing to do? Should he just simply cancel his old card and apply for a new one? Will that affect his credit score? Should he just leave that card as it is and apply for another one? Can he even get another card if he has never used this one and this was his first ever card? Is there anything else we should think about?

[Deleted User]

He'll need to apply for a suitable card, although will no apparent credit history, he may struggle to get something decent.

Keep the other card and use it regularly, clearing in full.

His credit score is fictional and can be ignored. Lenders will be looking at how he manages his credit.

[Deleted User]

And does the kitchen fitter take credit card as a payment method?

Lydia_f

We are getting the kitchen from B&Q...and it will be fitted by my DH and father in law...so for free...

Lydia_f

We pay the mortgage, doesn't that give him good credit history?

[Deleted User]

Lydia_f wrote: »

We pay the mortgage, doesn't that give him good credit history?

That's one thing yes.
Anything else?

Lydia_f

Hmmm nothing else I guess...does the phone contract count? Or student loan?

eskbanker

Best thing to do is to check his credit files at all three rating agencies, which will show exactly which credit products are recorded, as well as giving hints and tips about what is seen as negative and what could be done to improve things....

https://www.moneysavingexpert.com/loans/check-free-credit-report/