We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Llyods TSB Advance Card...grrr!
missmarshmallow
Posts: 6 Forumite
in Credit cards
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??
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??
0
Comments
-
If you have no regular income how would you have made the repayments?0
-
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.0
-
Good question: I receive regular benefit payments and only use the card if I know I can repay it by the following month.ejones999 wrote:If you have no regular income how would you have made the repayments?
Also a friend is shortly repaying me some money I lent them so this would clear any purchases I make while abroad
0 -
I've just received the Lloyds Advance card with 0% interest and I'm not employed
"An Ye Harm None, Do What Ye Will"
~
It is that what you do, good or bad,
will come back to you three times as strong!
0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.6K Banking & Borrowing
- 254.2K Reduce Debt & Boost Income
- 455.1K Spending & Discounts
- 246.7K Work, Benefits & Business
- 603.1K Mortgages, Homes & Bills
- 178.1K Life & Family
- 260.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards