My New Car Finance Idea!

[cpikey316_]

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.

Have a santander CC for this very reason, cashback on shopping and petrol, and its paid off in full every month.

£3-4 a month is better than a kick in the teeth, and my credit rating gets better and better.