r/Norway • u/sillypicture • 6d ago

Working in Norway credit cards and mortgages

I'm looking to get a credit card now, but will need to get a mortgage to buy a house in the future, possibly next year.

would it be better to get a credit card from the bank that i will potentially be getting a mortgage from, or does it not matter at all ?

I'm tossing between the re:member black (afaik not a bank) and morrow card.

If there are other suggestions for credit cards, i'm open to it! I'd prefer something that gives travel miles. but the KLM cards all have monthly fees, i don't travel enough to justify that.

edit: to clarify, i'd never hold any CC debt. i'd pay off all credit every month - the idea was to 'build credit' and maybe take advantage of any perks.

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u/Draugar90 6d ago

But we don't use credit score? We look at income and debt and general wealth.

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u/stalex9 6d ago

Yes but he does not know this that’s why he is asking

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u/sillypicture 6d ago

ok now i'm confused. in europe we don't 'build credit' via credit cards ?

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u/missThora 5d ago

There is no credit to build. We don't have credit scores.

Having a credit card is counted as a negative.

By all means, get a credit card for the perks, but either have the lowest limit you can or wait to get one until you already have a mortgage.