Wife has M&S card will I be able to get one?

Grolsch30

Feels like a silly question but:

Would I be able to apply for a Marks and Spencer credit card if my wife already has one?

In general how long would an application take?

never-in-doubt

Grolsch30 wrote: »

Feels like a silly question but:

Would I be able to apply for a Marks and Spencer credit card if my wife already has one?

In general how long would an application take?

yep go for it, credit is individual - your wife and you will be separate but for financial links (associations)

Takes a few mins to apply.... issued by HSBC so make sure you haven't been applying with them for last 6mth....

CocoPopsLover

never-in-doubt wrote: »

yep go for it, credit is individual - your wife and you will be separate but for financial links (associations)

Takes a few mins to apply.... issued by HSBC so make sure you haven't been applying with them for last 6mth....

Ditto :beer:

Susanjane_2

Could I just ask, does this apply if you are a second card holder with a company? Could you still apply for your own card?

never-in-doubt

Susanjane wrote: »

Could I just ask, does this apply if you are a second card holder with a company? Could you still apply for your own card?

Indeed you can - additional card holder means you're not really a customer of that lender. :beer:

Susanjane_2

Thanks, I'm now trying to fill in the details but as a housewife have no personal income although my husband does. Do I fill in the income as £0 or as the household income in the employment section.

never-in-doubt

Susanjane wrote: »

Thanks, I'm now trying to fill in the details but as a housewife have no personal income although my husband does. Do I fill in the income as £0 or as the household income in the employment section.

Hubby must give you housekeeping? Put that, like £XX per month then multiply it.... lol

Or just be honest and put £0 - then in household income put everything including any Chb/CTC/WTC/FTC you may get....

never-in-doubt

Susanjane wrote: »

Thanks, I'm now trying to fill in the details but as a housewife have no personal income although my husband does. Do I fill in the income as £0 or as the household income in the employment section.

p.s let us know decision and limit/apr lol - it helps others on here whether to apply.... cheers :j

Susanjane_2

Will do. Have now applied using household income so will let you know. Wanted to try Tesco but that seemed to only be your own income so thought I had no chance of getting that one.

Thanks for all your help.

Moggles_2

Susanjane wrote: »

Have now applied using household income so will let you know. Wanted to try Tesco but that seemed to only be your own income so thought I had no chance of getting that one.

That's right. M&S is one of the few exceptions, where the application asks for household income rather than salary.

As you can tell from the marketing, the M&S card is aimed at ladies

Very best
M

Susanjane_2

Just to update you, have just received new M & S credit card with £4,000.00 limit and the apr is 0% for 10 months and then 14.880% after that.

Thanks for all your help.