credit card of my own!?

rosiesq

Hi I wonder if anyone can help? I am seperating from my husband, and our credit card/s are in his name, with me as a registered user. Am I likely to be able to get one of my own? I don't work ( have various health problems) but live in a very rural area, and at present pay for everything on the card, and pay it off in full each month, as this saves fuel etc; help! please.:(

Its-A-New-Age-Thing

rosiesq wrote: »

Hi I wonder if anyone can help? I am seperating from my husband, and our credit card/s are in his name, with me as a registered user. Am I likely to be able to get one of my own? I don't work ( have various health problems) but live in a very rural area, and at present pay for everything on the card, and pay it off in full each month, as this saves fuel etc; help! please.:(

if u have a good credit file YES no probs,

how good or bad is YOUR OWN credit?

and if/when ure applying for credit miss the unemployed and go with "homemaker"

sooo soooo sooooo many people on this have gained credit by writing that

rosiesq

Thanks for that, err, what do you mean by My Own Credit?

Its-A-New-Age-Thing

have u defaulted on any credit accounts?

presumably before u were married u had your OWN life and applied for things on ure OWN?

did u pay everything

that kinda stuff

:money:

oh and as its gettin late heres some more info,

your probably financially associated to your husband

now IF your husband has excellent credit ie doesent miss any payments in the short term, this is probably going to be a POSITIVE

now if on the OTHER HAND he misses payments best to get yourself FINANCIALLY DISSASOCIATED from him as soon as etc

Consumerist

You may need to build a credit history of your own. This usually means applying for a card with a high APR and low credit limit for the time being. You can read more here.

If you are rejected for a mainstream card, and I suspect you could be, then try a card which is more suited to building/rebuilding a credit record. Spend on the card every month then repay in full and on time every month. You should then be in a better position to apply for a mainstream card after 6 to 12 months.

rosiesq

thanks to you all for your replies. As for my own credit before I was married, it's that long ago I don't think credit cards were around! Don't remember having any, only spent what cash I had, now there's an idea for today;) And I have always dealt with our finances, and paid on time. Guess I'll have to just give it a go, and apply for one.:)

Consumerist

If you stick to spending only what you can repay each month then it wo'nt cost you anything if you repay in full and on time each month. If you've never has a credit card before then you will also have some time to get used to how they operate.

If you have had a bank account (sole or joint) for a few years then your own bank might give you a mainstream card on the basis of their records of your account conduct. Worth a try.