Dividends and credit rating

bigmun

Hi

If my gross income is £50k but I only take £7488 as salary and the rest as dividend, then if I apply for a credit card or a mortgage, would the bank see me as someone earning £7488 or £50k? In other words, is the banks' notion of income same as the taxman's? Quite a few cards require a minimum of £20k or so. I can sort of understand if banks don't accept dividends, since there's more uncertainty about the continuation of payment.

Thanks!