Before I bought my house I couldn’t get a packet of crisps on finance. Now I have about £30k of credit available. She’s applying for every credit card offer that comes though via email from the minute you get a mortgage. The problem is I have self control so use what I need and can afford to pay back. She’ll have a great time for the 12-18 months the 0% offers are on then she’ll be up tit creek without a paddle and a whole load of plastic shite she doesn’t need.