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About to exchange can I spend on my credit card?
LadyEE123
Posts: 18 Forumite
Hello,
I’m due to exchange and complete in a couple of weeks- hoping to move on 15th december.
I’m due to exchange and complete in a couple of weeks- hoping to move on 15th december.
I wanted to get a few Black Friday purchases on my credit card (tv, hoover etc) probably no more than £700.
My Morgage has been confirmed with Halifax and I understand they still check my credit file. I have a credit card which is empty- will this go against me if I use the credit card?
0
Comments
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Personally I wouldn’t risk anything going wrong and would wait until you’ve got those keys 🔑
MFW 2025 #50: £1989.73/£600007/03/25: Mortgage: £67,000.00
12/08/25: Mortgage: £62,500.00
12/06/25: Mortgage: £65,000.00
18/01/25: Mortgage: £68,500.14
27/12/24: Mortgage: £69,278.38
27/12/24: Debt: £0 🥳😁
27/12/24: Savings: £12,000
12/08/25: Savings: £12,0000 -
I wouldn't risk it either. How much will you save by buying in the Good Friday deals?I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
The 365 Day 1p Challenge 2025 #1 £667.95/£391.55
Save £12k in 2025 #1 £12000/£120000 -
I did speak to my MB and he said it was fine to use my credit card now but I had read on here people saying don’t use it? Totally stuck0
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Ultimately it’s your decision
I know what I’d do 👍I wouldn’t take the chance. Can buy stuff anytime 🤷♀️MFW 2025 #50: £1989.73/£600007/03/25: Mortgage: £67,000.00
12/08/25: Mortgage: £62,500.00
12/06/25: Mortgage: £65,000.00
18/01/25: Mortgage: £68,500.14
27/12/24: Mortgage: £69,278.38
27/12/24: Debt: £0 🥳😁
27/12/24: Savings: £12,000
12/08/25: Savings: £12,0000 -
There'll be more offers at Christmas - and more again in January - and more again in just about every other month next year. I'd wait - get the house keys in your hand - and then, and only then shop for bargains.1
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My MA told me I’m ok to use as long as it’s paid in full and doesn’t go over the amount I submitted on my application.0
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I wouldn’t do it personally.Not in this climate.0
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surely surely if you use but then pay off within few days or before billing cycle you’d be fine.0
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Why risk it for the sake of a few weeks?
Black Friday sales are not all that; there’s plenty of offers around all the time and will be once OP gets the keys
MFW 2025 #50: £1989.73/£600007/03/25: Mortgage: £67,000.00
12/08/25: Mortgage: £62,500.00
12/06/25: Mortgage: £65,000.00
18/01/25: Mortgage: £68,500.14
27/12/24: Mortgage: £69,278.38
27/12/24: Debt: £0 🥳😁
27/12/24: Savings: £12,000
12/08/25: Savings: £12,0000 -
Only reason I wouldn't do it is 'about to exchange and complete' can always change, but if the plan is to pay it off in full and it doesn't push the balance on the cards past the previously declared total it is hard to see why it would have an effect on the lender.0
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