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    • Carl2510
    • By Carl2510 14th Jan 20, 10:11 PM
    • 82Posts
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    Carl2510
    Getting a credit card
    • #1
    • 14th Jan 20, 10:11 PM
    Getting a credit card 14th Jan 20 at 10:11 PM
    My girlfriend lives at home with her parents, doesnít have any bills to her name, Iíve advised her to get a credit card, her credit rating is good, but Is it still worth it to get a credit card. As we will be looking at getting a house together in the next year or so.

    I remember back when I was 18 and got refused a phone contract, even though I was totally clean no debts nothing no bills. Could this happen with a mortgage.
Page 1
    • Willing2Learn
    • By Willing2Learn 14th Jan 20, 10:14 PM
    • 5,194 Posts
    • 4,837 Thanks
    Willing2Learn
    • #2
    • 14th Jan 20, 10:14 PM
    • #2
    • 14th Jan 20, 10:14 PM
    Using a credit card for things like monthly groceries and monthly travel costs, then paying the statemented balance in full each month would indicate to a lender that she can successfully manage a credit account.

    Her score is irrelevant, as a typical mortgage lender does not use it and does not see it.

    Does she not have a current account? If yes, then she should try applying for a card from her bank.

    Is she employed?

    If she has no credit history whatsoever, then she would be more likely to make a successful application with a sub-prime lender such as CapitalOne, Aqua or Vanquis.

    She needs to make sure she is on the Electoral Register.
    Last edited by Willing2Learn; 14-01-2020 at 10:19 PM.
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    • Ben8282
    • By Ben8282 14th Jan 20, 10:15 PM
    • 4,764 Posts
    • 2,629 Thanks
    Ben8282
    • #3
    • 14th Jan 20, 10:15 PM
    • #3
    • 14th Jan 20, 10:15 PM
    In order for her credit rating to be good, she must have some credit. What does she currently have?
    There was a very similar thread started around this time yesterday https://forums.moneysavingexpert.com/showthread.php?t=6091111
    Perhaps rather than us repeating the same things you should take a look at this thread as it may help
    Last edited by Ben8282; 14-01-2020 at 10:19 PM.
    • Carl2510
    • By Carl2510 15th Jan 20, 6:09 AM
    • 82 Posts
    • 4 Thanks
    Carl2510
    • #4
    • 15th Jan 20, 6:09 AM
    • #4
    • 15th Jan 20, 6:09 AM
    She is on the Electrol Register, and has a current account, and is in full time employment as a dental nurse. That’s exactly what I’ve said, just buy petrol etc and pay off in full each month.
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