Credit cards advice

userul

I hope I am posting in the right part of the forum. I am looking for some advice for my situation.

I want to get my first mortgage in approximately 2 years from now (1 year might be an option too) but I do not have any credit score history.
I also wish to buy a new car within the next 5 months, using a 0% interest purchase credit card.
To build my score I intend to get a cash-back credit card and start using it for monthly bills/spending.

Is it a problem to open 2 credit cards at the same time or should I first get the cashback credit card and then the 0% purchase one for the car.

Thank you for you time.

Brynsam

Sounds as if you might not have spotted that this site has loads of info covering just the sort of questions you are asking. Have a look at https://www.moneysavingexpert.com/credit-cards/?_ga=2.59241581.1736095314.1564264544-353475065.1523260899

userul

Yes, I am new to this site. Thank you for the link. I am struggling to find answers for the best way to proceed for a similar case like mine.

born_again

userul wrote: »

I also wish to buy a new car within the next 5 months, using a 0% interest purchase credit card.

Thank you for you time.

Just be aware many garages will not take a credit card payment for the full amount (due to charges) You can make a deposit, but the rest will be via other payment method.

So check with the garage 1st before getting a card just for that.

msallen

With no credit history don't just assume you are going to be able to get a cashback and a 0% APR on spending card. Both of these types are typically more likely to be offered to people with a good credit history.

[Deleted User]

1. You don’t have a score
2. Not all dealers will take CC
3. What’s your current credit history?