Since becoming a SAHM, I cannot get credit, as I am classed as "unemployed". I get Child Benefit and Child Tax Credit, which is more than someone unemployed gets. DP works full time, so we can afford repayments etc. I cannot get a cheque book, credit card, loan, HP, store card etc. in my own name, I always have to be a "2nd cardholder" or get nothing because my status is "nothing". On a mortgage, it would more than likely be DP only for the same reason. I have been told by more than one lender that if I worked for money for 1 hr a week, then I would be classed as employed and eligible for credit. Is this totally barmy or what? Am I the only one this has happened to? I feel forced to get a job just to get a cheque book.