0% interest on Purchases.

Credit_Jake

Does intenet buying count?

Milarky

Credit_Jake wrote: »

Does internet buying count?

Yes. Provided the transaction is not a specifically excluded cash substitute - such a charge to a gambling website (so READ the Terms and Conditions CLOSELY or else post the name of the issuer/card product and someone will be able to advise further). Anything you can buy in the UK in the 'high street' that you use your card to buy online ought to qualify, including some things you might not expect (like Council Tax, TV Licence)

Credit_Jake

Is there anyway of finding out whats not included? I am planning on buying a wardobe which isn't available to buy on the 'streets' as it is hand made and the guy takes all his business through his website now.

It's a tesco credit card.

normanmark

That would be classed as a purchase

Credit_Jake

Cool thanks, is lying about your income to obtain a credit card or loan illegal? I'm not planning on doing it, but since I got a credit card a friend wants one who is not in full time employment. In fact, do you need an income over a certain amount to be able to obtain one, my application went through no questions asked?

normanmark

Yes if you lie about your income to obtain a credit card then you're breaking the law.

I wouldn't advise it.

Credit_Jake

OK, what should I do a I dont want to get them into trouble? Should I find out where they are applying and warn the providers, or will the providers have the means to obtain their current financial situation. They reckon they can afford to pay it, so if they're not missing payments I don't know how the credit providers will find out. When I applied they didn't even ask for my works number. I'm just worried she's going to get herself into uncontrollable dept.

NickX

Credit_Jake wrote: »

OK, what should I do a I dont want to get them into trouble? Should I find out where they are applying and warn the providers

Well I wouldn't warn the provider because if she has already made the application and has lied about her salary this could land her in trouble or with a CIFAS fraud marker on her credit file.

Really I think you need to tell her that lying about her salary is fraudulent and could land her in trouble in the future. I suspect people do lie about their earnings to obtain credit on a regular basis and in many cases they will get away with it, but if the provider did investigate then they would be deemed to have behaved fraudulently and this could damage their credit rating and possibly cause more serious problems. Not a good idea really.

Credit_Jake

Thanks, I just know when she does get into trouble she'll turn to me and ask for help and I'd rather avoid getting to that point. Thanks anyway I'll just warn her and she how it goes.