Getting a credit card 14 January 2020 at 10:11PM edited 30 November -1 at 12:00AM in Credit File & Ratings 3 replies 279 views

Carl2510

My girlfriend lives at home with her parents, doesn’t have any bills to her name, I’ve advised her to get a credit card, her credit rating is good, but Is it still worth it to get a credit card. As we will be looking at getting a house together in the next year or so.

I remember back when I was 18 and got refused a phone contract, even though I was totally clean no debts nothing no bills. Could this happen with a mortgage.

Willing2Learn

Using a credit card for things like monthly groceries and monthly travel costs, then paying the statemented balance in full each month would indicate to a lender that she can successfully manage a credit account.

Her score is irrelevant, as a typical mortgage lender does not use it and does not see it.

Does she not have a current account? If yes, then she should try applying for a card from her bank.

Is she employed?

If she has no credit history whatsoever, then she would be more likely to make a successful application with a sub-prime lender such as CapitalOne, Aqua or Vanquis.

She needs to make sure she is on the Electoral Register.

Ben8282

In order for her credit rating to be good, she must have some credit. What does she currently have?
There was a very similar thread started around this time yesterday https://forums.moneysavingexpert.com/showthread.php?t=6091111
Perhaps rather than us repeating the same things you should take a look at this thread as it may help

Carl2510

She is on the Electrol Register, and has a current account, and is in full time employment as a dental nurse. That’s exactly what I’ve said, just buy petrol etc and pay off in full each month.