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Getting a credit card after getting mortgage? is that possible? (lemmy.world)

submitted 1 year ago by [email protected] to c/[email protected]

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Should it be done at all? Or how long should one wait for before getting credit card when having a existing mortgage?

FYI:

we are here in NSW
getting credit card only to take advantage of the points and convenience in some case, not a necessity

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[–] [email protected] 4 points 1 year ago (1 children)

I’m with ANZ for my mortgage and a credit card came with it. We pay it off every month no matter what. We use it for everything. It’s a frequent flyer (qantas) card so we’ve racked up hundreds of thousands of points, which is now getting our international flights later this year. If you trust yourself to pay it off consistently, then they can work in your favour.

[–] [email protected] 2 points 1 year ago (2 children)

If I were to get them after the fact, is the bank for mortgage I am with monitoring if I am getting a credit card else where?

[–] [email protected] 4 points 1 year ago (1 children)

I think you are overthinking it they won't care. If you are worried could just ask your bank.

[–] [email protected] 2 points 1 year ago

There is no monitoring. They don't give a shit about what you do with your money from here on out, as long as you're paying your debt to them.