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ICB Report & Credit Card?

  • 06-12-2014 12:52AM
    #1
    whatlliwear
    Registered Users, Registered Users 2 Posts: 1,050 ✭✭✭


    Hello there,

    I just applied to have an ICB Report & I am worried.
    I have had a credit card for the last 8 years. I have never fully cleared it but it's usually at the €400 mark. I usually make a payment each week but I might charge a few more bob to the card than what I pay off it.. Would this give me a bad rating? 


Comments

  • #2
    Bank of Ireland: Billy
    Closed Accounts Posts: 1,066 ✭✭✭Bank of Ireland: Billy


    whatlliwear wrote: »
    Hello there,

    I just applied to have an ICB Report & I am worried.
    I have had a credit card for the last 8 years. I have never fully cleared it but it's usually at the €400 mark. I usually make a payment each week but I might charge a few more bob to the card than what I pay off it.. Would this give me a bad rating? 
    Hi whatlliwear,

    Many thanks for your post.

    Credit Card history would be one of the factors taken into consideration in an ICB Report, along with mortgages, personal loans, car loans, etc. The ICB have a good FAQ on credit rating that you can find here

    Thanks

    Billy


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