Paying off credit card days before applying for mortgage? Please advice

[Bigbus007]

I have a bank credit card which has £660 balance.
It has limit £4500, I got this card since 2009. It’s in my name.
Anyway the maximum I ever used was appr £3k which I paid off during the times, got down to £200, ramped it now to £660.
I never ever missed or delayed any payment on it.
Yesterday I paid off £250, balance is now £410.
Im planning to pay it off in next few days.
Anyway a house came on a market which we like, is it worth to apply for a mortgage with the credit card still open?
Also I had a Next card with balance of £125 ( paid off fully yesterday too)
Last thing I have is Very Account with Take 3 option ( pay off in 3 months) I owe them £14 this is the last payment, also never missed any payments before.

DH has his own credit card in his name with balance few thousands but he rigorously pays off every month, he is super careful with money.
Is it too soon to apply for a mortgage?
will the score update?
If we go into the mortgage broker office to apply and for example he will ask if I have any debts and I would say, No, as I paid them off, this won’t show on the file as I read it takes months to show the balance is £0 even if paid off?
Does it counts as I’m lying even if I did pay it off days before but the credit files hasn’t update it?

Also I don’t plan to closed the credit accounts, just keep the balance on £0.

It's fine to apply for a mortgage with a balance on your credit cards. The most important thing is that you've never missed or been late with a payment. Speak to L&C, they're very good and will explain everything to you.

Please don’t think that credit cards are bad. They aren’t, they show the mortgage provider that you pay off your debts.
if you’ve missed a payment (or multiple) that will count against you.
Get a good mortgage advisor who can help you navigate this

It's your debt ratio not a specific amount, here's a calculator:

https://www.fool.co.uk/personal-finance/mortgages/calculators/debt-to-income-ratio-calculator/

Regular credit card debt that's paid off with no defaults should make your credit score higher not lower. Do you both have a decent score, have you taken out any new credit agreements in the last 6 months, do you have any defaults on your files that aren't expired or challenged?

I wish they taught this stuff in schools!

These amounts are so tiny, I don’t think they make a difference.

Credit scores are a useful tool but the actual score means F all for a mortgage application.

I’ve just got a mortgage with £3k on a card (and two other cards with zero balances but large credit limits).

I do think it alters how much you can borrow overall, and it’s a condition of my mortgage that I pay it off on completion (though my advisor says in reality nobody checks!!)

I doubt if you pay off today it will show as a zero balance on a credit check, I think they take a while to show up?

I checked my score on Experian yesterday and it’s 981.
In the past like 20 years ago I was in lot of debts with 10 different credit/ loans storescards, failed payments etc, however I managed to pay off all in 2007, even got a mortgage in 2008 ( sold since that)
Now I’m very careful never to miss payment etc..
I only borrow what I can pay off. Before I was young and foolish..

I have £4000 on a credit card and just got approved with no issue for a remortgage with a new lender. They will take it off what they will lend you but under a grand I'd not lose any sleep over.

OK so now work out your joint debt to income ratio, if it's under around 33% you'll be fine. You'll probably be fine if it's a bit over that depending on any other debts you hold.

Thank you.