Living with partner?

markan2828
markan2828 Posts: 17 Forumite
Part of the Furniture Combo Breaker
edited 12 June 2019 at 3:15PM in Credit cards
Hi all,
would love some advice on this: I am trying to join the credit card eligibility tool, but when it comes to 'residential status'.. it doesn't give me the option I want; living with partner? and ideas much appreciated.

Comments

  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    What options does it give you?
  • Are you paying rent?
    Are you on the mortgage?
  • markan2828
    markan2828 Posts: 17 Forumite
    Part of the Furniture Combo Breaker
    Thanks for responding, it gives me;
    homeowner,
    private tenant
    council tenant
    living with parents.
  • markan2828
    markan2828 Posts: 17 Forumite
    Part of the Furniture Combo Breaker
    I am not on the mortgage and don't pay rent; we share expenses.
  • I would just go with Private Tenant then
  • Willing2Learn
    Willing2Learn Posts: 6,294 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Since you are not on the mortgage, don't pay rent, but pay your share of the bills, then that would be a similar arrangement to 'living with parents' option. In the absence of other suitable options, then that is one I would use for an eligibility checker tool.


    If you then go on to make a credit application, the 'living with parents' option would not be correct. In that instance, and faced with the same options, I would recommend phoning the card issuer for guidance.

    Edit: Cross-posted with Gary. For an eligibility tool, private tenant would also be suitable. But again, I would ring the card issuer for guidance if I was making an official credit application.
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    :smiley:
  • muhandis
    muhandis Posts: 994 Forumite
    Eighth Anniversary 500 Posts Name Dropper Combo Breaker
    edited 12 June 2019 at 4:58PM
    Based on what you have said, I'd go with Private Tenant.

    More importantly, when answering the same question for actual applications, make sure you keep it consistent.
  • Nasqueron
    Nasqueron Posts: 10,386 Forumite
    Tenth Anniversary 10,000 Posts Photogenic Name Dropper
    I put private tenant as I'm effectively renting off my partner who owns the house, not had any issues with it

    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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