Credit card whilst on disability benefits

[Pumpkinmoocher]

Hi everyone, first post!
Is it possible to get a credit card with 0% interest for 6 months whilst on disability benefits (Universal Credit and PIP)? I would like to borrow about £1000 to pay for a few things (I am not eligible for a uc advance/budgeting loan) but am struggling with all the different cards out there! Has anyone successfully applied for a credit card whilst on disability benefits?
Thankyou for any words of advice offered ❤️

Yeah they'll give you one. But it's not a great plan if you will struggle to pay it back.

I assume your experience is relatively limited? The exorbitant levels of consumer debt in this country would actually imply that most people don’t think about it at all, and just do their best to make minimum payments.

Give that you were not sure what your credit limit is and that you are hoping to sell some things to Pa it back - you do know even it’s interest free for 6 months you need to meet the minimum monthly payment from the start - and if you don’t you will lose the promotional rate?

And yet quite obviously this person hasn’t considered it at all.

No it is not limited, thankyou. I've worked in the multi advice sector for nearly 14 years. I'm fully aware of debt issues in this country. I believe I stated that "IME" - in my experience, clients I deal with on fixed incomes manage them well. I wasn't giving a full profile of the entire country's debt habits with my comment, just of those I personally work with. It makes my experience what it is, neither limited nor otherwise. Just an honest observation.

I have obviously thought about how I’m going to pay it back, I’m not a total idiot and I was joking about asking people to borrow money to pay it off. I do have a few things to sell that I have been sat on for a while, and I can cut my expenses if necessary to repay it.

Thanks for asking OP as I've been wondering about this myself. It's always good to have a back up for emergencies but also credit cards give the best level of protection.

So it's either Capital One or PO so far?

I have an MBNA one and a Santander one.

I’ve wondered about it myself for a while but needs must at the moment! Yeah, the money saving expert checker says those two, but a kind poster pointed out that they’re the same thing! I wish you well if you decide to get a card in the future ❤️

Hi everyone!
I think I’m going to leave my contribution to this thread here now, thankyou so much to EVERYONE who has taken the time to reply to me and to give me advice, I really do appreciate it all and it’s so helpful.
Thankyou all again! ❤️❤️❤️❤️❤️

I had a credit card before applying for PIP, but then I was still working full time and had car finance as well. having said that, I use it sensibly and pay it off each month - currently using Tesco as its handy for clubcard.

presumably you still have minimum payments to meet from month1

Hopefully in 6 months I’ll be able to sell a few things/raise the cash from family and owe them instead.

One other thing to think about is that you don't actually have 6 months to pay it back, OP. You need to make payments each month so it would make sense to get on and sell things asap and start cutting back immediately so that you can at least make the first repayment 4 weeks after you take on the debt.