Credit card for a 19 year old? with a slight twist

sanzy_2

Hey i'm currently looking for a credit card with a large limit. I have saw cards which say you need to be 21 and making £20k , 25 and making £35k etc . Now i'm 19 and i'm making well above the amount needed for say Platinum cards etc.. so would i still be aloud to apply even though im under the age limit they stated?

Thanks.

BenL

Nope I would doubt it.

The card companies IT system would probably straight decline you for not meeting a basic underwriting criteria

Kevina_2

Can always try dude, or ring up and see what they say? Lets us know how it goes

Viper_7

Just get more than one card. For large purchases like your Lambo, split it over several cards.

Seriously just ask them though. The 20k for Platinum/gold whatever is just gimmicky status symbols. Means nothing now.

nzseries1

Alliance and leicester told me straight out that I need 5 years of address history to get their credit card, and Virgin told me that I need 3 years.

However I have only 2 years of address history, yet both accepted me for credit cards. So it's worth a shot.

In saying that, I got declined for the Amex Platinum even though I meet all their criteria that they state.

dhassen

You're doing well to be earning such a large salary at your age, especially seeing as you can't spell! lol sorry..... pet peeve of mine that!

I doubt you'd get past the application stage unless you rang up and spoke to a human, however, as some other posters say, the computer would probably say 'no' anyway

gsmmad

hmmm that is strange.....

so u earn so much why do u want a credit card, just load it all on ur current account and go spending ....and you will defenitly decline for everything ....

U dont need to have straight 3 years in one adress u can have 2 in one adress and 1 in ur previous adress .....

try halifax there minimum age is 18 ...i just applied im 20 and earn around 22k a year. They only have me a 2k limit.

Esqulax

Get a cred card through your bank:)
They already have your address details for the last 3 years, AND proof of your income.

Sintaku

nzseries1 wrote: »

Alliance and leicester told me straight out that I need 5 years of address history to get their credit card, and Virgin told me that I need 3 years.

However I have only 2 years of address history, yet both accepted me for credit cards. So it's worth a shot.

In saying that, I got declined for the Amex Platinum even though I meet all their criteria that they state.

Amex don't follow the rules. They gave a 17 year old who was earning nothing his very own Centurion.

With Amex if you daddy has a Centurion he can "pursuade" them to give you any card below that... Like a Platinum... Heck, I don't think Amex is going to turn down someone spending a minimum of £125k a year on there card...

Now I would love to get a Centurion... *dreams*

moggylover

Sintaku wrote: »

Amex don't follow the rules. They gave a 17 year old who was earning nothing his very own Centurion.

With Amex if you daddy has a Centurion he can "pursuade" them to give you any card below that... Like a Platinum... Heck, I don't think Amex is going to turn down someone spending a minimum of £125k a year on there card...

Now I would love to get a Centurion... *dreams*

I'm not convinced I could actually manage to spend £125K in one year!:eek:

dolally_2

moggylover wrote: »

I'm not convinced I could actually manage to spend £125K in one year!:eek:

I am not sure if I could either, however I do like a challenge so if anyone wants to loan me a card which such a limit I would do my very best