Over 40k household income yet 0 chance of credit card.

7 Posts
I tried the credit card checker for cashback/rewards as Nationwide are scrapping their cashback. I pay for everything I can on CC.
Both spouse and self are retired with over £43k (last year's figures) income from pensions etc. I entered ZERO for earnings - because I'm retired but 43k other household income and ended up with ZERO chance of ANY credit card. I tweaked it to show 27k earned income and 16k other household income and suddenly, I'm loved by all the CC providers.
I think Moneysaving expert needs to re-visit the field that states EARNED income. Suggest changing it to "Applicant income." I don't know about you, but I've never felt that OAP, former work pension et al as being EARNED because we don't raise a finger to receive it. I suppose we worked to earn pensions, but it just doesn't immediately register as earned. Again, Moneysaving expert might add a few words to correct me and many like me.
Cheers all and stay well. Avoid the covidiots! DaveL
Both spouse and self are retired with over £43k (last year's figures) income from pensions etc. I entered ZERO for earnings - because I'm retired but 43k other household income and ended up with ZERO chance of ANY credit card. I tweaked it to show 27k earned income and 16k other household income and suddenly, I'm loved by all the CC providers.
I think Moneysaving expert needs to re-visit the field that states EARNED income. Suggest changing it to "Applicant income." I don't know about you, but I've never felt that OAP, former work pension et al as being EARNED because we don't raise a finger to receive it. I suppose we worked to earn pensions, but it just doesn't immediately register as earned. Again, Moneysaving expert might add a few words to correct me and many like me.
Cheers all and stay well. Avoid the covidiots! DaveL
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Also, it says "main employment income" rather than "earned" income but even if it did say that, you don't think you earned your pension? I suppose if you only received a state pension and never worked a day on your life you might be right. If you did work, however, of course you earned it.