Spread the cost of recent expenditure but maintain a good credit record

wordsfan

Hoping people more savvy than me can help with this. 

Recent developments in my personal life meant I spent more than I usually do. Much of which I have put on my current capital one credit card. Which I think has around 34.9% interest rate 

I got this card really as a way to improve my credit rating and for emergencies. Usually I use it for larger purchases to get the cover if there’s an issue with the purchase. 

Normally pay it off in full each month. 

I could do that this time I have the money in savings but I actually would prefer if I could to spread the cost IF I can at least transfer this balance (less than £1000) to a 0% card.

reason is I’m hoping to move soon and want to have the savings available to cover those costs if needed  

Even spreading the cost, and not touching the savings I can easily have it paid off in a few months. 

I can check what cards might be available to me via the credit club here which I am a member of. 

But that really just gives basic info

I would like if possible to also consider getting a cashback or rewards card. Figuring I may as well increase my income even if only a little if I can now that I have a good to excellent credit record.

I basically just want to make the best of the options available to me and manage it all in the most advantageous way to me as possible 

will having multiple credit cards negatively affect my credit record? Will paying the debt off more slowly do this? Is there a card that is both cashback/reward and 0% at least on balance transfer? 

The credit club doesn’t really do a cross reference for this kind of thing. 

Any help/tips much appreciated. 

[Deleted User]

Having multiple cards will only negatively impact you if you don't stick to the terms of the total limits dwarf your income.  Paying off debts slowly is never better than clearing in full each month.

You won't get cashback with 0% BT offer, which is fine, because you wouldn't want to combine purchases with a BT balance.  The interest would far outweigh the cashback.  Separate the two out.

wordsfan

Ok separate cards then? Is it bad to apply for a balance transfer AND a cash back card especially in the same month?