Credit Score

Hi All,

I have got a credit card to improve my credit score by using it for some of my day-to-day expenditures and then having a direct debit set up to pay the statement off in full each month.

Will my credit score improve significantly quicker if I use my credit card for ~£500 a month compared to ~£10 a month for example or is the amount not that important and more the fact that I pay it off in full every month?



  • edited 28 December 2021 at 4:56PM
    [Deleted User][Deleted User]
    0 Posts
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    edited 28 December 2021 at 4:56PM
    No. Credit scores generally react negatively to changes in behaviour, so will drop with any change, whether that change  is good or bad . Fortunately, credit scores are just a gimmick in the UK, playing no part is lending decisions and should be ignored.

    From a lenders viewpoint, clearing in full in the key thing. The amount is relatively unimportant, though it makes financial sense to put all your regular spend on it.
  • chankie888chankie888 Forumite
    33 Posts
    Part of the Furniture 10 Posts Combo Breaker
    If the credit card company offers you an increased credit limit (no original request from the card holder) , will that include any further credit checks?  From the email and my online account, i just simply click "accept" increase so no further checks...
  • As a general rule, no.
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