Interest free cards

[MrJuice]

Hi folks

I applied for an interest free card for cashflow purposes. To my surprise, the application was approved and I got a 13k limit. Perfect

Maxed that out and am currently paying the minimum amount. The interest free period is (was) 22 months and at the end I'll have a 6k lump sum to pay. Great

I'd quite like another one. I'm good for the amounts but if they're offering, why not

Is a second application going to be detrimental to my credit rating?

Only issue is I have a mortgage renewal in May 2024. Likelihood is that I'll seek a new deal with same bank I'm with now so I assume that renewal will not be underwritten and they won't really care about my credit card borrowings

But I could be wrong?

Any thoughts most welcome

Thanks

[MrJuice]

Evidently not!

Fair enough

One thing I did notice when I took my mortgage out was that my credit score was in the 600s. There was a large payment due on a charge card which I'd clear every month. Paid that and the credit score went to 999 overnight.

[MrJuice]

I'll have about 6k to pay off in September 2024 if I only repay the minimum amounts each month. I can pay that off early in May if need be to get my mortgage over the line

But point taken. No further debt unless I clear it before the mortgage renewal. And that's only if I can get more credit card debt