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Is it possible to get a credit card with no job but steady income?

(11 Posts)
KerryMum Sat 23-Aug-08 12:26:56

Message withdrawn at poster's request.

MummyDoIt Sat 23-Aug-08 12:55:00

It certainly was possible years ago. I got my first credit card when I was a student living on a grant (days before student loans). The limit was £50!! That was Barclaycard. No idea if it's still possible now.

fiodyl Sat 23-Aug-08 15:03:14

You may be able to get one of the higher rate cards like the Vanquis one or Barclaycard Initial.

They have a higher rate of interest because they are designed for people with low credit scores or no previous credit history.

KerryMum Sat 23-Aug-08 15:04:13

Message withdrawn at poster's request.

CheckAvailability Sat 23-Aug-08 15:44:56

i'm in ireland too, i have just got my 1st cc

I applied online to my own bank, they didnt ask for employment details just income details

fiodyl Sat 23-Aug-08 20:16:35

No idea if being in Ireland makes a difference, but Im sure you have Barclaycard over there don't you? The Vanquis card is done by the same company as Provident who do the loans- do you have them in Ireland?

IllegallyBrunette Sun 24-Aug-08 22:17:22

Yers ago I got 2 credit cards with only child benefit and tax credits as my income.

More recently, I got a Capital One card with only CB, Tax Credits and IS as my income, and I have a crap credit rating.

Ivegotaheadache Mon 25-Aug-08 07:25:55

They can't check what you earn or if you even work. They go on a credit check to assess what sort of a risk you would be. If you pay all your debts on time and have no ccj's or defaults and suchlike, it shouldn't be a problem to get a cc.

dibdabscribble Wed 27-Aug-08 15:05:50

Bloody hell carer's allowance in Ireland is rather better than in England isn't it! Would you like a new neighbour? grin

KathH Thu 28-Aug-08 20:40:49

my mum has credit cards and the only income she has is pensions and a couple of investments

ilovemydog Thu 28-Aug-08 20:44:51

Go into your local branch of Bank of Ireland and discuss. My bil was a bank manager for BoI and said that the bank managers had quite a lot of discretion whether to approve or not (even though it would go to Dublin for approval)

Do you have an irish bank?

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