{"id":3595,"date":"2019-03-07T14:16:04","date_gmt":"2019-03-07T14:16:04","guid":{"rendered":"https:\/\/www.credit-score.com\/blog\/?p=3595"},"modified":"2025-01-05T19:09:00","modified_gmt":"2025-01-05T19:09:00","slug":"credit-cards","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/credit-cards\/credit-cards\/","title":{"rendered":"24-Factor Credit Check: Credit Cards"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">One of the six factors on your lender report is centred around the credit cards you hold. This is split into four sections: <strong>Credit Card Usage<\/strong>, <strong>Total Limit<\/strong>, <strong>Exceeding Limits<\/strong>, and <strong>Cash Withdrawals<\/strong>. You get a rating for each section, and together they assess how you use your credit cards. Don&#8217;t be thrown if you don&#8217;t have a credit card; it&#8217;s useful to know what you&#8217;ll be judged on if you&#8217;re looking to get one soon.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">What&#039;s Included?<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.check.co.uk\/blog\/credit-cards\/credit-cards\/#Credit_Card_Usage\" >Credit Card Usage<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.check.co.uk\/blog\/credit-cards\/credit-cards\/#Total_Limit\" >Total Limit<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.check.co.uk\/blog\/credit-cards\/credit-cards\/#Exceeding_Limits\" >Exceeding Limits<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.check.co.uk\/blog\/credit-cards\/credit-cards\/#Cash_Withdrawals\" >Cash Withdrawals<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"h-credit-card-usage\"><span class=\"ez-toc-section\" id=\"Credit_Card_Usage\"><\/span><strong>Credit Card Usage<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"825\" height=\"905\" src=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Credit-Cards.png\" alt=\"\" class=\"wp-image-7885\" srcset=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Credit-Cards.png 825w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Credit-Cards-273x300.png 273w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Credit-Cards-768x842.png 768w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Credit-Cards-380x417.png 380w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Credit-Cards-800x878.png 800w\" sizes=\"auto, (max-width: 825px) 100vw, 825px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">On your 24-FCC, Credit Card Usage is presented as a percentage. It is the total you have spent on all of your credit cards against the total of your credit card limits (total limit). Let\u2019s say you have a balance of \u00a3100 on a credit card with a limit of \u00a3500, and \u00a3200 spent on a second credit card with a limit of \u00a3500. Overall, your usage is \u00a3300 from a total limit of \u00a31000: that\u2019s 30%. It\u2019s that simple! Try and keep your credit card usage below 10% for the best rating.<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-total-limit\"><span class=\"ez-toc-section\" id=\"Total_Limit\"><\/span><strong>Total Limit<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"815\" height=\"930\" src=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Total-Limit.png\" alt=\"\" class=\"wp-image-7886\" srcset=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Total-Limit.png 815w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Total-Limit-263x300.png 263w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Total-Limit-768x876.png 768w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Total-Limit-380x434.png 380w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Total-Limit-800x913.png 800w\" sizes=\"auto, (max-width: 815px) 100vw, 815px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">It is a common misconception that having a lower credit limit means your credit rating will be higher. In reality, the higher your credit limit, the better. Take our previous example of using \u00a3300 of a Total Limit of \u00a31000 &#8211; if you changed this to \u00a3500 of a \u00a35000 total limit, then you are using 10% of the credit available. Despite having more debt on the credit card, you are using a smaller percentage of your total limit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-exceeding-limits\"><span class=\"ez-toc-section\" id=\"Exceeding_Limits\"><\/span><strong>Exceeding Limits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"820\" height=\"850\" src=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Exceeded-Limit.png\" alt=\"\" class=\"wp-image-7887\" srcset=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Exceeded-Limit.png 820w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Exceeded-Limit-289x300.png 289w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Exceeded-Limit-768x796.png 768w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Exceeded-Limit-380x394.png 380w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Exceeded-Limit-800x829.png 800w\" sizes=\"auto, (max-width: 820px) 100vw, 820px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Spending over the individual credit card limits damages trust with current and potential lenders. Doing so could lose you a promotional interest rate, give you some hefty charges, and have a detrimental impact on your Credit-Score score.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cash-withdrawals\"><span class=\"ez-toc-section\" id=\"Cash_Withdrawals\"><\/span><strong>Cash Withdrawals <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"820\" height=\"925\" src=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Cash-Withdrawals.png\" alt=\"\" class=\"wp-image-7888\" srcset=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Cash-Withdrawals.png 820w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Cash-Withdrawals-266x300.png 266w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Cash-Withdrawals-768x866.png 768w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Cash-Withdrawals-380x429.png 380w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/08\/Cash-Withdrawals-800x902.png 800w\" sizes=\"auto, (max-width: 820px) 100vw, 820px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">You might think that withdrawing cash on a credit card is the same as withdrawing cash on a debit card, but unfortunately, you couldn&#8217;t be more wrong. It suggests desperation for money, and that you\u2019ve exhausted other sources, such as your current account, overdraft, and any savings. Cash withdrawals put a significant dent in your creditworthiness and hence your Credit Score. Best to avoid.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Alongside the result on your Credit-Score.co.uk Score, withdrawing cash on a credit card racks up heavy fees. If you&#8217;re short of cash, try dipping into your overdraft instead. It&#8217;s not ideal, but it won&#8217;t have such a negative impact on your credit rating, and the fees are generally much lower.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div style=\"background-color: #f8f8f8;border-width: 2px;border-color: #ECECEC\" class=\"ub_call_to_action wp-block-ub-call-to-action-block\" id=\"ub_call_to_action_64a5452f-f5ce-47f2-a3be-ec78e791f237\">\n\t\t\t<div class=\"ub_call_to_action_headline\">\n\t\t\t\t<p class=\"ub_call_to_action_headline_text\" style=\"font-size: 30px; text-align: center; \">Check your Credit File Today<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"ub_call_to_action_content\">\n\t\t\t\t<p class=\"ub_cta_content_text\" style=\"font-size: 15px; text-align: center; \">Get personalised insights into your Credit File<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"ub_call_to_action_button\">\n\t\t\t\t<a href=\"https:\/\/www.check.co.uk\/register?utm_source=blog-registration\" target=\"_self\" rel=\"noopener noreferrer\" class=\"ub_cta_button\" style=\"background-color: #01d083; width: 250px; \">\n\t\t\t\t\t<p class=\"ub_cta_button_text\" style=\"font-size: 14px; \">Sign up, its FREE<\/p>\n\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"One of the six factors on your lender report is centred around the credit cards you hold. This&hellip;\n","protected":false},"author":22,"featured_media":3612,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[324,254,319,317],"tags":[369,423,366,421,422,424],"class_list":["post-3595","post","type-post","status-publish","format-standard","has-post-thumbnail","category-credit-basics","category-credit-cards","category-lender-report","category-credit-score-account","tag-credit-cards","tag-exceeding-limit","tag-lender-report","tag-limit","tag-total-limit","tag-withdrawals"],"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2019\/03\/Credit-Cards-02-01.png","author_info":{"display_name":"admin","author_link":"https:\/\/www.check.co.uk\/blog\/author\/admin\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>24-Factor Credit Check: Credit Cards | Check.co.uk - See the problems your credit score hides<\/title>\n<meta name=\"description\" content=\"An in depth description of one of the main six factors lenders asses you on: credit cards! 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