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When can I claim my upcoming salary during an application?
Comments
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I would have thought, as a student who has yet to start work, you would have enough debt already.0
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Why not approach your own bank who can see your financial behaviour, show your graduate job confirmation etc and see if they will give you one to get you started (low limit, high APR) instead of making stuff up on an application?
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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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 ?
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oh they do check, and the card company is likely part of nhunter, that collates and confirms various data on credit applicants and gives it a fraud score for the lender.0 -
Thanks for the replies - I'll call up and see what they say before submitting an application, but failing that will wait until day one.0
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Well if they do check ????
I am not bothered, as 21K sitting on numerous cards, suits me fine.
Mixture of BT's and o% purchase cards between me and the OH.
And as our pensions, gov and employee will go up next year,
will be looking for better limits next year too
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Anybody on this been declined for uPPPing their income ?0
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YorkshireBoy wrote: »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 Employer's name (you haven't got one yet...the offer could be withdrawn).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)
Yeh be careful with this. When I was 18 I applied for A&L Current account and I stated student. The application I made was in June time but obviously I did not start the College until Sept.
A&L contacted the college - because of this A&L placed CIFAS.
They did remove it when I complained. Also note at that time CIFAS expired after 13 months. Now its 6 years.0 -
Still waiting to see if anyone has been done for upping or being on the generous side with their incomes, do they now check with employer ? did they ever ?0
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Haven't seen this for a fair whiles so
BUMP0 -
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