credit cards for self employed

technic

Hi all..

I'm looking for a credit card that I could get accepted for being a self employed musician..I've applied 2 so far, the tesco's one and the sainsbury's one, both being 0% interest.. but no luck.. My avg annual income is fairly decent (just above £20,000) but neither accepted me..

Any suggestions on what credit card to apply for would be great. I can't really make monthly repayments as I could earn a fair bit in a month then nothing for 3 months, thats just how it goes.

Or seeing as I'm techincally a one man business and people hire me, I could apply for the MBNA Small business card, which is 0% also, or do I not qualify for this?

Cheers for any help guys

olly300

You want a credit card but can't make monthly payments?

No credit card works like that. You need to either pay the full amount off in one go or be able to pay a bit of each month. The latter method will cost you more.

Until you have worked out that you need to be able to budget, and have enough to pay of your card monthly there is no point in this thread.

In addition you should be aware that you should not mix business and personal expenses ever unless you want problems with HMRC in the future.

technic

Ok thanks for the reply. Can not pay it off as you
please? I'm guessing the monthly bill depends on how much you owe? The card is for items that I will claim as expenses anyway..

However I would also like a personal one, so any suggestions on ones I could get accepted on would be great, thanks.