Credit card for 'homemaker'!

jonesMUFCforever

I disagree - if a fraud happens on a credit card it is the bank's money which is at risk whilst using a debit card it is your money.

Freebie_Hunter_2

Thanks guys. I was advised by my local constabulary to make purchases with a credit card rather than a debit card.
I will only be using it for online and high street purchases, so does this mean that I won't pay interest if I clear it at the end of the month?

Been many years since I had a CC!

maninthestreet

OP, how many times have you been victim of debit card fraud? Why do the fraudsters seem to be targetting you?

p00hsticks

Freebie_Hunter wrote: »

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

But surely a person can only pay their bills if they have an income of some sorts ....

lisyloo

But surely a person can only pay their bills if they have an income of some sorts ....

Benefits are an income !!
You can buy food with it and everything :rotfl:

You don't need to be emplyed to received an income.
It can be a pension, benefits or returns on investments.
Income just mean money coming in, it doesn't have to be wages.

Some pensioners who are not working may have a higher income than people getting wages.

Freebie_Hunter_2

p00hsticks wrote: »

But surely a person can only pay their bills if they have an income of some sorts ....

I feel bad for always being judged simply because I am on benefits. Being employed is seen as an automatic guarantee that the person will be responsible, that they will spend loads and then pay it all back.

I've never been well off but I have never missed a payment for anything. Halifax, whom I have been with for 15 years, won't give me a credit card despite my credit reference being excellent and my banking record flawless.
One of my friends earns £40,000 a year and lives at home with her Mum, yet she has over £15K worth of debt.
So the bank would see her as a better bet because she's working?
Go figure


Anyway, this isn't about getting upset because I'm pigeon-holed, it's about finding a CC company who will help me out!! :T

Freebie_Hunter_2

maninthestreet wrote: »

OP, how many times have you been victim of debit card fraud? Why do the fraudsters seem to be targetting you?

I really don't know.
Someone has used my card for a paypal payment of about £6.50. Thank God it was only a small amount, but it's still money that puts food in my sons tummy.

I do occasionally use the card for online purchases but I have full virus/security software.

simongregson

Freebie_Hunter wrote: »

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!)

Have you spoken to anyone about the above, were you made redundant? Does someone else do the work you did before? Did the company attempt to redeploy you in a new role? Have they taken on new workers during the period before or after you left?

The above could be illegal depending on the circumstances and I would recommend you take advice from your union/CAB etc. if not a union member.

deadthings

The info posted by simongregson is excellent. I would check the local Jobcentre, as they are also very good at dealing with such things and giving advice on it.

I would expect there to be something more to it, and it is worth chasing up, but something tells me the OP won't bother.

D.

Freebie_Hunter_2

simongregson wrote: »

Have you spoken to anyone about the above, were you made redundant? Does someone else do the work you did before? Did the company attempt to redeploy you in a new role? Have they taken on new workers during the period before or after you left?

The above could be illegal depending on the circumstances and I would recommend you take advice from your union/CAB etc. if not a union member.

Thanks Simon, I spoke to my solicitor in reference to this when it happened and my employer had done everything they possibly could to cover themselves. He seems to think that they may have sought advice themselves to carry it out as they did!