Mortgage and balance transfer to existing card.

londonhead1

Hi I cannot find the answer to this question anywhere, I have existing credit cards, with no balances and balance transfer offers. I also have an existing credit card with a balance i am paying interest on. I want to transfer to the card i already hold with the offer on it. Does this impact my credit score? We may be applying for a mortgage to move home in the next 1 - 6 months and i don't want to impact my score, however all answers i can find involve opening a new card (which has a negative impact) which is not what i am doing. 
The interest is significant and if we don't apply for a mortgage for 6 months then it will add up.
My credit score is excellent, and we hold an existing mortgage. 

eskbanker

As observed on pretty much any thread mentioning credit scores, they're numbers invented by the rating agencies to sell their services and aren't seen by prospective lenders.  The number you're told about may indeed change, but if the underlying data indicates no additional credit facilities and no additional debt then it should all be neutral from the perspective of your mortgage lender, or perhaps even a positive change, given that the balance will no longer be interest-bearing.

2021BJ

eskbanker said:

As observed on pretty much any thread mentioning credit scores, they're numbers invented by the rating agencies to sell their services and aren't seen by prospective lenders.  The number you're told about may indeed change, but if the underlying data indicates no additional credit facilities and no additional debt then it should all be neutral from the perspective of your mortgage lender.

The only thing that may cause an issue (although fairly easily resolved) is that it's possible the balance will show on both cards for a period.