Pay off interest free overdraft with credit card to improve my credit rating


You don’t have a credit rating. Just a credit history, so every lender’s view may be different.

Not carrying debt at all is the generally the best way to appear attractive to lenders – certainly at the mainstream end.

But if you have no urgent need for credit, you might want to keep your money earning interest.

I wouldn’t pay a 4% fee to move it to another 0% promo.


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