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Should you lie on a credit card application form?

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Comments

  • shortcrust
    shortcrust Posts: 2,697 Forumite
    Eighth Anniversary 1,000 Posts Combo Breaker Newshound!
    Somerset_La_La_La wrote: »
    What are you putting as employment status, retired? It'd probably flag up anyway, as 30k is a heck of a pension.... Not impossible by any means, but might flag up on that point alone. Likewise homemakers.

    The only thing you could legitimately use is any fresh income, including interests/dividends from savings & investments.

    If you have such a large amount in the bank to 'pay'/transfer yourself 30k p/a, then try the bank(s) it's held with as they'll have internal data on you. No need to lie then.

    Also agree with redux, it's very much a 'want' rather than a 'need' - even less reason to try anything remotely dodgy!

    Try the eligibility checker with your true income... you may well be surprised!

    If your mortgage was paid off within the last few years presumably it's on your credit report - that's a huge asset and should help you (as will answering home owner (outright) to the living status question).

    That's what I was thinking. I got decent credit cards when I was a mature student with an income of 5k.
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Ninth Anniversary 1,000 Posts Name Dropper
    GingerBob wrote: »
    Tell them you have 30k income. It's no business of theirs where it comes from.

    Nice to see you encouraging fraud and showing your true colours again.
  • Gaz83
    Gaz83 Posts: 4,047 Forumite
    1,000 Posts Combo Breaker
    Go for it OP! I can't see any circumstances where this can go anything but really well!
    "Facism arrives as your friend. It will restore your honour, make you feel proud, protect your house, give you a job, clean up the neighbourhood, remind you of how great you once were, clear out the venal and the corrupt, remove anything you feel is unlike you... [it] doesn't walk in saying, "our programme means militias, mass imprisonments, transportations, war and persecution."
  • GingerBob_3
    GingerBob_3 Posts: 3,659 Forumite
    Gaz83 wrote: »
    Go for it OP! I can't see any circumstances where this can go anything but really well!


    Agreed .
  • GingerBob_3
    GingerBob_3 Posts: 3,659 Forumite
    camelot1971 wrote: »
    Nice to see you encouraging fraud and showing your true colours again.


    So I've got a substantial pension fund (my money) and pay myself from it. That's not income then?
  • Gaz83
    Gaz83 Posts: 4,047 Forumite
    1,000 Posts Combo Breaker
    GingerBob wrote: »
    So I've got a substantial pension fund (my money) and pay myself from it. That's not income then?
    Not if it's locked away for another couple of years.
    "Facism arrives as your friend. It will restore your honour, make you feel proud, protect your house, give you a job, clean up the neighbourhood, remind you of how great you once were, clear out the venal and the corrupt, remove anything you feel is unlike you... [it] doesn't walk in saying, "our programme means militias, mass imprisonments, transportations, war and persecution."
  • GingerBob_3
    GingerBob_3 Posts: 3,659 Forumite
    Gaz83 wrote: »
    Not if it's locked away for another couple of years.


    Sorry, don't follow you.
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Eighth Anniversary 10,000 Posts Debt-free and Proud!
    Deleted_User wrote: »
    Where is this £30k income coming from? From savings?

    Then no.

    Unless the £30k is interest on savings, in which case, yes.
  • sourcrates
    sourcrates Posts: 31,487 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    Why do you need another credit card if you have 3 already that have credit available ?


    Your entire post doesn't make any sense to me at all.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • Whistler23
    Whistler23 Posts: 63 Forumite
    To the OP, if I'm not mistaken you just want another card for cash back? Just use quidco with your current cards.
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