My New Car Finance Idea!

[Seb_Ryan]

All very admirable sentiments, which I happen to agree with, but you try and get a good mortgage without a proper credit history, the missus has just had to get a credit card out for that very reason. That said, there's a time and a place for credit - ie as few times and places as possible lol. In seriousness it's got us out of more than one hole in years gone by, but you absolutely must keep on top of it.

Back to the op: personally I think you're daft for getting credit out for a status symbol, but that's your decision. There's nothing wrong with your plan though, as long as you keep on top of managing the credit you'll barely pay anything on it in terms of fees and interest.

I managed to get a mortage with no credit history lol, no credit cards etc etc