A smallest possible loan or a high % CC?

[ReceptionMum]

Would appreciate people’s advice on what would be the best solution for my situation - a smallest possible loan or a high % CC? Or may be something else I haven’t thought about?

To be absolutely clear, I do not need any and will be able to re-pay on time with no additional % interest. This is only to add a “recent” credit line into my financial records.

Background info:
• Have recently been declined a (not high %) CC on affordability. It was an online application with no “additional info” boxes. So I believe, the issue was that they were matching my current part time income with a value of our joint mortgage, also 2 dependant children etc
• I have checked my Credit score – Good, on electoral roll etc, never any missed payments etc but I have not had any live credits (apart from a joint mortgage) for a good number of years now:
o didn’t use CCs much and all expired long ago
o had a few loans in the past; all paid off, last one 8 years ago

Many thanks

Apologies- bullet point formatting went wrong, hopefully still readable

Any comments ?
Many thanks

Neither. You have recently been declined. Applying again will simply dent your record further. You don't need it so I would sit tight and wait for now.

Thank you, habipprtyh.

Yes, I realise that. I was going to wait for 3 months-ish and then book an appointment in the bank (rather than doing it online again) and have all my payslips etc handy.

I started bothering me a lot recently that I have kind of lost my own financial leg and became too dependent on DH. No issues in the marriage, we are living comfortably and he calls whatever we have "ours" not "his" but since I started part time (to ease family life as was VERY stressful for all with long commute/children in full time care etc etc) I'm feeling I'm slowly losing my financial freedom. With part time my job security goes in the window as well...but that's another story.

Thanks for listening to my morning moaning anyway...