Wanting to get a 0% interest credit card.. completing house purchase on Friday


Hello,

As the thread title says, we are completing on our new build this Friday (20th July). We have had our mortgage offer since January and doesn’t expire until the end of September so as far as solicitors have said, everything is on task to run smoothly for Friday.

We are hoping to get a 0% on purchases for 30 months credit card (as found on here) to put our biggest purchases (bed/tables etc) on and then pay them off over the next 10 months as we just don’t have the spare cash right now- the extras added on to the new build for practically everything have seen to that! I do have a credit card currently but it has a high interest rate as I pay it off in full every month.

My question is, when can I apply for this credit card to ensure it won’t affect the mortgage? Am I ok to do it now as we have our mortgage offer all sorted, or do I have to wait until we physically have the keys and have completed? We want to order furniture but need this credit card to do this but I also don’t want to ruin my credit rating at the 11th hour meaning the mortgage won’t go through!

Thanks in advance



Source link