Complete credit card novice Help needed

QueenB.

I have never owned a credit card before nor ever applied for one but my OH has two and we where hoping for me to open a card in my name, as i have a better credit rating, and then transfer some of his balance over.

What i was wondering is can i get a CC when i don't work? It seems alot of them ask for income details and i understand why but does this mean i would be unsuccessful in any applications?

moggins

I don't work but Barclaycard gave me one in my own right. It was only a low limit about £300 to begin with but they have upped this to £450 now.

QueenB.

Thanks for that moggins, that was the other thing i was a bit worried about, what kind of limit i would get if i did get accepted.

Andybez38

My girlfriend who lives on her own with 3 children, and only recieves benefits paid into her lloyds tsb account. She applied for a credit card (from whom she banks with) and was given a platnium card with £3500 credit limit.

harrie_2

i dont work OH used to and i got CC...i found the more i used the cards
the better my credit score......not good for me now like.......i find capital one good see what they can offer

harrie_2

Andybez38 wrote:

My girlfriend who lives on her own with 3 children, and only recieves benefits paid into her lloyds tsb account. She applied for a credit card (from whom she banks with) and was given a platnium card with £3500 credit limit.

yes Lloyds good at that i got unlimeted credit off them

QueenB.

Thanks for that everyone, i will try and see what happens.

nomoneytoday

Why do want a credit card when you are not working?

How do you expect to pay back balances??

HGLTsuperstar

harrie wrote:

yes Lloyds good at that i got unlimeted credit off them

Unlimited???? So you're saying you could put the national debt on that one card. You must have a CL, I'd look at your documents closely!

QueenB.

nomoneytoday wrote:

Why do want a credit card when you are not working?

How do you expect to pay back balances??

I don't work but my OH does, so what we are intending to do is move some of the balances over from his high rate card to one with either a lower rate or O% for a limited time. My credit score is better than his and so that is why we are considering it, the balance will be paid, as always but a lower rate would stop what we pay going mainly towards the interest, thus pasying it off sooner.