When can I claim my upcoming salary during an application?

U1599868

Hello, and thanks for all the useful help on the site,

I start a grad job in Feb and would like to get a credit card before starting. Would it be unreasonable for me to claim I'm employed and earning my salary slightly before I start to ensure I'm all set up and good to go? I notice the application forms state to list any upcoming changes in circumstances (but obviously this is to see if your ability to repay will decrease).

Thanks in advance.

[Deleted User]

Once you have started your job.

Millie_Millsters

U1599868 wrote: »

Would it be unreasonable for me to claim I'm employed and earning my salary slightly before I start

It's never a good idea to lie on a CC application.

realaledrinker

Wouldn't recommend starting your career by committing a fraud.

Biggles

If it's a paper application, you could enter your salary figure and add an explanatory note with your planned date of starting. It may be enough.

tidds

Wait until you start, apply day 1.... Otherwise it's fraud.

YorkshireBoy

tidds wrote: »

Wait until you start, apply day 1.... Otherwise it's fraud.

On 3 counts...

1. Employer's name (you haven't got one yet...the offer could be withdrawn).

2. Time with employer - what are you going to put in here?...minus 3 months? 0 months? Or some other made up number? This question is sometimes more directly asked, ie "When did you start working for them?" Now if this is the one you're asked, you're going to have to lie for ever more (or at least in the short to medium term), because your application details will be shared with FPAs...whose job it is to identify inaccuracies in application details, sometimes called 'Application Fraud', and this could get you a CIFAS marker.

3. Income (you haven't got one yet)

No_6

Retired....so income is what it is...... or what I say ! ......they never seem to check ? .....still get great offers......but have been doing it since early 1990's ! ... so have been around most cards a fair few times....still getting high limits on the offers......has anybody actually been checked for their income......? and been declined ?

6

Ben8282

No_6 wrote: »

Retired....so income is what it is...... or what I say ! ......they never seem to check ? .....still get great offers......but have been doing it since early 1990's ! ... so have been around most cards a fair few times....still getting high limits on the offers......has anybody actually been checked for their income......? and been declined ?

In your case, so long as you are consistent, don't claim an outrageously high income and your cato figures are consistent (or higher) than the income claimed you are unlikely to be checked.
However, the same cannot be said for somebody much younger with a much more limited credit history.

No_6

But has anyone had their salary checked ? would they know
or had a decline because or it ?

bigadaj

No_6 wrote: »

But has anyone had their salary checked ? would they know
or had a decline because or it ?

It does no doubt occur though it's really an issue about being consistent, if all indicators show this salary is realistic and in common with other searches and information then it probably wouldn't be flagged.

If it were found to be a lie that is of course not just a decline but fraud and deception, ro at least an attempt.

More importantly why would you lie in these situations, the risks even if they are small are likely to exceed the reward.