Apply for new credit card when living abroad

Emmag00

Hi,
Are there any UK credit cards I can apply for when I live abroad? I own a house in the UK and I return home each summer for 2 months. Ideally, I'd like a credit card which does 0% balance transfers.
Thanks for your help.

[Deleted User]

You need to be resident in the UK.

MrRipley

The official answer as stated above is NO.

But if you own a house, have British bank accounts/ and or credit still linked to it and means to pay for it all, then technically you can still, but I would not recommend it.

Just apply for credit in the country that you're a permanent resident in.

GingerBob_3

If you own a house in the UK and live there a couple of months a year, it's easy. Use your UK address. No one is going to ask you to prove length of residence. Big Brother in the UK does not yet link your finances with your travel, but I'm sure they're working on it.

chattychappy

Depending what the application and T+Cs says, it could be a fraud. But as noted, it is unlikely anybody would know.

If you are relying on non-residence status for tax reasons, by creating a credit history in the UK you could be picked up for an investigation. Not a problem if you are indeed non-resident, but it could be a hassle. HMRC are beginning to use CRA data, though I suspect they are in a muddle.

GingerBob_3

chattychappy wrote: »

Depending what the application and T+Cs says, it could be a fraud. But as noted, it is unlikely anybody would know.

If you are relying on non-residence status for tax reasons, by creating a credit history in the UK you could be picked up for an investigation. Not a problem if you are indeed non-resident, but it could be a hassle. HMRC are beginning to use CRA data, though I suspect they are in a muddle.

Probably more like a breach of T&Cs. The OP would not be trying to gain a pecuniary advantage.


Yes, more and more organisations are helping themselves to the veritable honeypot of CRA data. I wonder what sort of consent is given here (none?).

bigadaj

GingerBob wrote: »

Probably more like a breach of T&Cs. The OP would not be trying to gain a pecuniary advantage.


Yes, more and more organisations are helping themselves to the veritable honeypot of CRA data. I wonder what sort of consent is given here (none?).

There's certainly teh potential for the OP to be gaining a pecuniary advantage , if ther wasn't they wouldn't be asking the question.

I really don't understand your ranting at various institutions, I understand cynicism and questioning but if you are really that bothered then refuse to transact and live in your teepee knitting your own clothes out of muesli.

agrinnall

bigadaj wrote: »

... live in your teepee knitting your own clothes out of muesli.

Have you not heard about the new SDLT rate on teepees that George is planning to bring in?

GingerBob_3

bigadaj wrote: »

There's certainly teh potential for the OP to be gaining a pecuniary advantage , if ther wasn't they wouldn't be asking the question.

I really don't understand your ranting at various institutions, I understand cynicism and questioning but if you are really that bothered then refuse to transact and live in your teepee knitting your own clothes out of muesli.

Care to enlighten us how?

KJSmith

Errrr.. a credit card is a line of (potentially 0%) credit

Not that you need to obtain to a pecuniary advantage to commit a fraud offence.
The offence of "obtaining pecuniary advantage by deception" has been repealed since 2007.

GingerBob_3

KJSmith wrote: »

Errrr.. it's a credit card is a line of (potentially 0%) credit

Not that you need to obtain to a pecuniary advantage to commit a fraud offence.
The offence of "obtaining pecuniary advantage by deception" has been repealed since 2007.

Again, so what? Unless you're attempting to deliberately obtain money by fraudulent means I don't see what the problem is. At best (or is that worst) you're lying to the CC company. How many prosecutions have there been of people miss-stating residence? None? Probably because there's nothing illegal in it. It is very unlikely that they'd get wind of your residential arrangements. And there are good reasons for maintaining a UK base - finance being one of them.