They like to see proof of you making payments on time. I have a tesco club card credit card that I accrue club card points on, however I use it like a current account, I don't even wait for payday to pay it off because to me that's not keeping up as you aren't spending what you've got (others will disagree that's just my view) I only spend on my credit card what I've already got in my current account if that makes sense, and make regular payments throughout the month, so I never pay interest. We got accepted for a mortgage with ease when we hadn't even been preparing to buy.
I've never had a credit card and will never get one. My credit rating was somewhere in the 980s/990s when I applied for my mortgage.
I took my car on finance and made all payments on time and, instead of a credit card, took a small overdraft on my account to build up my score. I think the lowest I could take was a £250 overdraft, and I use it monthly. I might only go £50 overdrawn but this happens before the end of the month (on purpose) and a week or two later my wages come in and clear it off. So I am borrowing and repaying in the same month. Once I exchange contracts on the house, and stop saving the equivalent of a small countrys net worth, I'll get rid of the overdraft for a wee while. I like the fact that I can cancel at any time, as long as I'm not overdrawn.
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