Credit card for 'homemaker'!

Freebie_Hunter_2

Hi people. Hope you can help here.
After being a victim of debit card fraud AGAIN, I am considering doing all my purchases with a credit card which I am told has more comeback than debit card problems.

The thing is, I am classed as a carer to our child and my partner is on JSA whist studying to finish his degree (he only studies 1 day a week before people start asking how he is claiming!!) so of course I am wondering would I actually qualify for a credit card?

Can anyone help me out on this?

I have an excellent credit rating with no CCJs, bankrupcy etc.

cifpower

Is your only household income JSA?

Freebie_Hunter_2

We get the CTC but it's all benefits I'm afraid. My lovely employer made my job 'disappear' when I went to go back after mat. leave & even Burger King won't entertain me for work (apparently they had over 200 applicants in the first week!)

cifpower

The only card I can think of that accepts homemakers is M&S. No minimum income is specified so it could be worth a try.

Freebie_Hunter_2

Thankyou Cif, I shall look into it. It's so frustrating as income really has no relation on whether someone is a good payer. I guess they see the higher the income the more that they can get out of you!

DrScotsman

Freebie_Hunter wrote: »

It's so frustrating as income really has no relation on whether someone is a good payer.

Wha......you..... :rotfl:

Income may not be the ONLY thing that decides if you're a good payer or not but it's definitely a major factor, and you don't need to be an actuary to know that!

Freebie_Hunter_2

DrScotsman wrote: »

Wha......you..... :rotfl:

Income may not be the ONLY thing that decides if you're a good payer or not but it's definitely a major factor, and you don't need to be an actuary to know that!

I'm old school. I make sure my bills are paid before anything else!

Freebie_Hunter_2

Oh....and I know lots of people on good salaries who ar eup to their eyeballs in debt!

kingfisherblue

I have credit cards with Halifax and Abbey and my only income is benefits - both applied for after I became a single parent when my ex left me. I receive Carer's Allowance as my son has complex needs, IS, CTC, CB and my son's DLA.

I have had a zero balance on the Hlaifax card for over twelve months and I owe £200 on my Abbey card, which will be paid off tomorrow when I go to the bank.

Mrs_Ryan

Capital One will accept people with NO INCOME AT ALL! Try them. They have a 'homemaker' option on their application forms.

p00hsticks

Freebie_Hunter wrote: »

After being a victim of debit card fraud AGAIN, I am considering doing all my purchases with a credit card which I am told has more comeback than debit card problems.

I don't know who told you this, but I'm not sure that it's true. Yes, you have 'section 75' cover for a credit card, but this only gives protection for individual items over £100, and really applies for cases where the purchase is in dispute (e.g. unsatisfactory or missing goods, supplier goes bankrupt etc), not for cases of fraud. And Visa voluntarily offer the same protection for their debit cards. So I'm not convinced that a credit card is going to fix your problems.....