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Getting a credit card

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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.

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  • Willing2Learn
    Willing2Learn Posts: 6,294 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 14 January 2020 at 11:19PM
    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.
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    :smiley:
  • Ben8282
    Ben8282 Posts: 4,821 Forumite
    1,000 Posts Combo Breaker Newshound!
    edited 14 January 2020 at 11:19PM
    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/discussion/6091111/getting-first-credit-card-w-no-prev-debt
    Perhaps rather than us repeating the same things you should take a look at this thread as it may help
  • Carl2510
    Carl2510 Posts: 529 Forumite
    Fifth Anniversary 100 Posts Name Dropper
    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.
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