One of the few things that came up on my credit report that could be improved, was that I haven’t used any ‘credit’ facilities in a while.
It had been about a year since I last used my credit card so I figured I’d just move some of my usual payments for things like groceries and fuel over to my credit card (paid off in full every month).
But when I use the Barclays ‘What could you borrow?’ calculator for example, under the category of Regular Spending it says:
“The amount you spend to repay credit and store cards, catalogue purchases, loans, overdrafts, maintenance and your pension. You don’t need to tell us about general household spending, such as groceries, travel and utility bills.”
So would I actually be better off leaving those payments on my debit card and not having to mention them? Or better using the credit card and getting in a bit of credit usage over the next few months?
I’ve done loads of searching and can’t find any advice on this specific scenario. Only generic advice about paying off credit cards in full if you use them already.
Any advice appreciated!