Can a 75 year old get a credit card?

wannaberich41

Hi,
A family member had a joint credit card with her husband. The husband passed away 2 years ago and there is still £3000 on the card, think some of this was to pay for the funeral. It all got transferred into her name and she is trying to pay £200 off a month. However obviously some of that will be interest. My question is could she apply for another credit card and balance transfer so she doesn’t have the interest?

Didn’t know if her age would affect this?

Many thanks

[Deleted User]

She could try.

Whose name was the debt in? There are no joint cards in the UK. Sge may not need to settle it immediately, but from the estate.

Candyapple

Who does she bank with? Is it possible to get a card with them?

Does she still work or is she retired with pension?

PRAISETHESUN

I don't think her age would be a problem, but the income requirements for any card she applies for - it is likely she will fail on affordability, particularly with £3000 debt already in her name. That said, use a few eligibility checkers to see what sort of deals she might be able to get - even a few months at 0% can take a significant chunk out of the monies owed

jonesMUFCforever

One thing that has not been noted - there is no such thing as a joint credit card.
If the card was in the name of the deceased then the family member should not have used the card to pay towards the funeral.

adindas

wannaberich41 wrote: »

Hi,
A family member had a joint credit card with her husband. The husband passed away 2 years ago and there is still £3000 on the card, think some of this was to pay for the funeral. It all got transferred into her name and she is trying to pay £200 off a month. However obviously some of that will be interest. My question is could she apply for another credit card and balance transfer so she doesn’t have the interest?

Didn’t know if her age would affect this?

Many thanks

Age doesn't matter. Reasonable number of people (wealthy people) in their 80s have credit cards.

The main point here is that whether they are profitable customers from the bank point of view.

YorkshireBoy

jonesMUFCforever wrote: »

One thing that has not been noted - there is no such thing as a joint credit card.

Didn't zx81 note it in the very first reply?

eco_warrior

jonesMUFCforever wrote: »

One thing that has not been noted - there is no such thing as a joint credit card.

If the card was in the name of the deceased then the family member should not have used the card to pay towards the funeral.

Possibly a wee bit harsh with your last comment. Perhaps it was the only way?

The cardholder dying and the spouse (2nd cardholder) continuing to use the account isn’t that uncommon. From my experience those doing it aren’t really aware they are breaking t&cs, they’ve just been “part” of the account and keep it going. Then eventually they get it paid off, closed, or they pass away as well.