>This is what keeps me from even considering an apple card, I don't need any credit and getting credit registered against my name will make it more difficult to

>This is what keeps me from even considering an apple card, I don't need any credit and getting credit registered against my name will make it more difficult to get a mortgage. This is not, generally, a correct statement. Having a history of 1) paying off debt or 2) not using a credit line available to you actually makes it MUCH easier to get a mortgage. Might be different in other countries but in the US the only way credit lines harm your chances of getting a mortgage is if you don't pay the bill in full every month or take out new lines of credit within a few months of taking out the mortgage. I, personally, had more than 20 lines of credit open when I was approved for my mortgage at their lowest interest rate. My mortgage was/is actually lower than my available credit on my all my revolving accounts, combined.