Llyods TSB Advance Card...grrr!

missmarshmallow

The Money Saving Expert Newsletter (31 Jan) Recommended the Lloyds TSB Advance card as cheap rate credit card with 5.5% interest (for the life of the BT) and no minimum salary requirement.

I required a card to transfer my balance to (charges 2% for BTs) and is 0% interest on purchases for 6 months..ideal while I am away travelling for two months.

However, after reading all the small print and applying for the card I find that they do not offer credit cards to people who are unemployed! I WISH THEY'D SAY SO!! Am sure being rejected for credit cards doesn't help your credit rating either. Grrrrr

The only application requirements as quoted from the website:
'Are you over 18, a UK resident and free of any county court judgements? Then you can apply for an Advance card. Here’s how you can do it: '
Sounds so simple...
...but you have to also be employed! (but they don't tell you that..at least i couldn't find it in ANY of the terms and conditions)

Does anyone know of any cards that do not require you to be working other than Barclaycard??

jonesMUFCforever

If you have no regular income how would you have made the repayments?

cornerclose

I can't pretend to know which if any credit cards don't require you to be employed, although I think Morgan Stanley do on ewith no minimum salary requirement. Having had this problem it would be a good idea for you to phone customer services to check before you apply for another card.

missmarshmallow

ejones999 wrote:

If you have no regular income how would you have made the repayments?

Good question: I receive regular benefit payments and only use the card if I know I can repay it by the following month.

Also a friend is shortly repaying me some money I lent them so this would clear any purchases I make while abroad

Curry_Queen

I've just received the Lloyds Advance card with 0% interest and I'm not employed