the account to put my money in another high interest account. Provided there is no exist fees would this effect my credit rating.. or can be done?
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Even if there are no fees, it will impact your credit rating because the age of accounts is a factor – if you run the balance to zero but not close the account (if you can) then you won’t impact your credit rating.
Read the fine print – most of them require you to have the money in for a long time after the promotional period is over – up to 18 months.