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Debt free, improved CS by Christmas 2026 - but will my idea work??
Twiglet60
Posts: 3
Newbie
Hi,
I took up an offer with my bank to reduce my overdraft by £50 pcm. It’s going well, but I still end up with £10 left at the end of each month.
If I do the same with a credit card - decrease my credit limit each month- would that be better for my credit score? OR keep my limits the same & just don’t touch the amount I’ve repaid?
Would that be seen as spending less of my credit allowance?
Thank you in advance!
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