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Credit Card Mortgage Query

  • 19-03-2019 12:47AM
    #1
    kroons23
    Registered Users, Registered Users 2 Posts: 2 ✭


    Hi There,

    I haven't missed a CC D/D payment but have gone over the limit 6/7 times in the past year. Limit was 2800, sometimes went as high as 2950. Have cleared balance in full since.

    On the CCR report it has recorded the over limit balances. Going for a mortgage in June 2020, would this be a red flag for the banks? If I close the CC account will they still see that previous info?

    Loan of circa 5k will be paid off by then also, no missed payments etc.

    Thanks
    Tagged:


Comments

  • #2
    3DataModem
    Registered Users, Registered Users 2 Posts: 4,134 ✭✭✭3DataModem


    Closing the account will make no difference.

    I would ask a broker in advance how the over limit balances will be viewed. Some banks may not care.


  • #3
    kroons23
    Registered Users, Registered Users 2 Posts: 2 ✭kroons23


    Thanks, Will sign up for a consultation ASAP


  • #4
    rthosemytoes
    Registered Users, Registered Users 2 Posts: 6 ✭rthosemytoes


    I would be interested in any feedback you got on this as I am in a similar situation.


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