applying for a credit card as a homemaker/housewife

treez55

Hi
I'm new to this so not sure if I've posted in the right place...here goes.
I have no personal income as I'm a stay at home mum, when I'm filling in a credit card application, what should I put when the question is 'personal income' can I put my husbands or do I have to put zero (thinking they don't want to see a big fat zero!) When I checked my credit rating with martin's new credit report, everything else was great except the income to debt ratio (I put zero) so guessing it wouldn't look great on an actual application. Thanks

[Deleted User]

Try applying for a card that allows household income.

Anthorn

At first sight, as above, insert the total household income in the box provided or volunteer that information in the additional information box.

But you will be applying for a personal credit card but you don't have a personal income. So the CC lender might be concerned about that and require a guarantor. But you'll never know if you'll be accepted or rejected unless you apply.

Every stay-at-home homemaker I know are without exception additional cardholders on their spouse's credit card account so that might be an option for you.

a&akay

I've been one all my married life, 40+ years. If it's income that's required on the application, and all mine were, I enter what I spend on home-making for the family from OH's earned income, in recent years £20k. This has always been stoozed on my own, not joint, CCs since that became a no-brainer many years ago. I currently have £23k of available credit with about £15k still owing in the pot. Sadly winding down since the recent drop in 123 interest. My Noddle is 5 and OH's is a 3 on his stooze pot. Such scores are pretty meaningless I know, but it reflects some reality.

Mrs_Ryan

I know Capital One used to allow a credit card on zero personal income and household income only- I'm classed as a homemaker but I get 10.5k in benefits a year so I put that down on my Aqua application along with OH's 21k wages in the additional household income box.

jennifernil

I have a Barclaycard, a Halifax Clarity, a M&S card, and a Tesco card, all obtained on an almost zero income.

Probably not so easy these days.

Yawn

Less ideal, but if your partner were to apply for a card, they could apply for a second one for you as an additional card holder on the same account. You would be sharing bills and a credit limit of course.