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  • FIRST POST
    • trickydicky14
    • By trickydicky14 8th Sep 17, 7:26 PM
    • 131Posts
    • 16Thanks
    trickydicky14
    T&C for credit card.
    • #1
    • 8th Sep 17, 7:26 PM
    T&C for credit card. 8th Sep 17 at 7:26 PM
    When applying for a credit card and the conditions state, ‘a minimum income of say £8,000 per year gross’ can you include interest on savings when submitting this figure?
    It appears to just state ‘have a gross annual income of £x’ it does not say earned or unearned income.
    Would I be breaching the rules if I did this? Or would savings interest be viewed as just ‘unstable’ income and not help my application.
    Thanks.
Page 1
    • YorkshireBoy
    • By YorkshireBoy 8th Sep 17, 7:34 PM
    • 29,399 Posts
    • 17,184 Thanks
    YorkshireBoy
    • #2
    • 8th Sep 17, 7:34 PM
    • #2
    • 8th Sep 17, 7:34 PM
    Some specifically say you can include savings and investment income, along with other examples which they list.

    Some don't say whether you can include it or not.

    I don't remember ever seeing one that specifically says you cannot include it (because I always do).
    • Shakin Steve
    • By Shakin Steve 8th Sep 17, 8:09 PM
    • 936 Posts
    • 665 Thanks
    Shakin Steve
    • #3
    • 8th Sep 17, 8:09 PM
    • #3
    • 8th Sep 17, 8:09 PM
    I would say income is income. Wages are pretty 'unstable' these days. I would have not even the tiniest qualm about including interest from savings.
    I came into this world with nothing and I've got most of it left.
    • trickydicky14
    • By trickydicky14 9th Sep 17, 4:27 PM
    • 131 Posts
    • 16 Thanks
    trickydicky14
    • #4
    • 9th Sep 17, 4:27 PM
    • #4
    • 9th Sep 17, 4:27 PM
    Yorkshire Boy & Shakin Steve,
    Thanks for your views, I think I will include savings in my application. I know I can pay off any credit card I have but just need to put myself in a good light when I apply.
    • chattychappy
    • By chattychappy 9th Sep 17, 9:19 PM
    • 6,305 Posts
    • 3,299 Thanks
    chattychappy
    • #5
    • 9th Sep 17, 9:19 PM
    • #5
    • 9th Sep 17, 9:19 PM
    I always include my income from savings.

    It's usually between £1 and £3 a year.
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