Ulster Bank Cards and ICB report

[fidil]

Hi there, I recently did a check on my credit card with the ICB. What I'm concerned about is that it gives my credit limit, which was reduced to 520 euro because of a few late payments (stupidity, not lack of funds, I've since set up a direct debit to avoid this problem). There is nothing owed on it at the moment. The only other information provided is the payment profile which is #00



I'd like to get a mortgage in the near future, will this affect my chances? Do I need to wait until my limit gets back to what it should be?

 

[Molly]

your payment profile #00 confirms theres no arrears and a lender reading the bureau does not know what you credit limit originally was, nothing wrong with having a low credit limit on your visa in card.