Don’t follow credit Karma advice

[Deleted User]

jazzyja said:

sourcrates said:

It beats me why folk are obsesed with obtaining credit all the time, i just use my salary to pay for stuff now, maybe give that a try instead ?

But yet we're encouraged to get credit to be able to be assessed for things like mortgages....? So what would you suggest then? Paying a card in full every month is still obtaining credit. 
Not saying I don't agree with you, I do. But in the real world doesnt quite work like that. Like my boyfriend for example cant get anything. Because he's always insisted on buying everything like you do. So now when we're looking at potentially applying for a mortgage next year he cant even get a card to build his rating, nor does he want to. To the CRAs he doesnt even have a credit file, cant be found. So, I'm having to apply alone. 

Why are you applying for a mortgage by yourself?  Has a mortgage broker told you that you are unable to jointly apply for a mortgage based on your boyfriend's lack of credit history?

Malkytheheed

Jrchmn said:

 I wouldn’t want a credit limit that was more than 4 times my disposable

Can I ask why? Either you trust yourself to not overspend or you don't. In which case you shouldnt have a CC at all. 

jazzyja

Lover_of_Lycra said:

jazzyja said:

sourcrates said:

It beats me why folk are obsesed with obtaining credit all the time, i just use my salary to pay for stuff now, maybe give that a try instead ?

But yet we're encouraged to get credit to be able to be assessed for things like mortgages....? So what would you suggest then? Paying a card in full every month is still obtaining credit. 
Not saying I don't agree with you, I do. But in the real world doesnt quite work like that. Like my boyfriend for example cant get anything. Because he's always insisted on buying everything like you do. So now when we're looking at potentially applying for a mortgage next year he cant even get a card to build his rating, nor does he want to. To the CRAs he doesnt even have a credit file, cant be found. So, I'm having to apply alone. 

Why are you applying for a mortgage by yourself?  Has a mortgage broker told you that you are unable to jointly apply for a mortgage based on your boyfriend's lack of credit history?

Theres other reasons id rather not get into but yes I'm applying alone. Broker said it would be difficult as he literally has zero credit history, not even a phone contract, insurance always paid in full. Just the way he is. Wasnt so keen on a CC when I suggested this was a year or 2 ago and couldn't get a catalogue account. Hes also self employed so that also makes it difficult.