Landlord rental classed as income to qualify for credit cards?

elisha7

I have a part-time job that earns me under £10,000 per year, so my chances of getting a 0% credit card based on that are bleak.
However, if i include my rental income from a house i'm renting out, my earnings per annum come to just under £20,000 giving me more options where credit cards are concerned.
So when applying for credit cards, can i include rental income as part of my annual earnings?
One other thing is, the rent is paid into a joint account with my husband, would this be a problem?
Any help would be greatly appreciated............

BigDave81

It's a taxable income so I would have thought it would apply, can't see it being too much of an issue going in to a joint account either.

I would have said £10k a year wage would be sufficient to obtain a decent credit card though if credit history in order, no arrears etc you just wouldn't get a high limit.

Moggles_2

BigDave81 wrote: »

I would have said £10k a year wage would be sufficient to obtain a decent credit card though if credit history in order, no arrears etc. You just wouldn't get a high limit.

OP is after a market-leading 0% card though. Your choice of card would be severely limited, IMO.

Tip: if it's 0% on BTs you had in mind, the Bank of Ireland will accept applicants with a good credit history, but lowish annual income (minimum £8000) for the Post Office Classic card
12 months at 0% is currently available to new customers on balance transfers made in the first 3 mths. There's a 2.98% BT fee.
Also, 5 months at 0% on new balance transfers requested in the month of your 1st and 2nd anniversary

http://www.postoffice.co.uk/portal/p...diaId=34100665