Getting a credit card with no job

SpanglySaver

Thank you all for your help and advice - I really appreciate it. I think I'll have to wait until I have some income again, and then relook at it. Have a lovely day, all!

rosygale

I’m on a small pension below 10K and my Nationwide Visa cc soon wont be accepted at Amazon. I notice the Amazon Classic mastercard doesn’t mention a minimum income in its qualifying criteria. I haven’t tested it out yet though, just waiting to see what happens as I don’t want to go to the bother of getting another cc if I can avoid it.

MEM62

SpanglySaver said:

I am lucky enough to have a substantial amount of money in the bank,

Substantial enough to give you an income?  If so and you are not blowing the capital to survive then then you have an income to declare when applying for a card.  

williewonder

I'm on ESA and PIP. My only income and I got accepted for 4 credit cards.

sleepyjones

I'm not sure about ESA or PIP but some benefits aren't available if you have "money in the bank".  I don't really know about the Credit Card issue though, the best people to speak to will be your own bank because they can see that you have money.

JohnSwift10

sleepyjones said:

I'm not sure about ESA or PIP but some benefits aren't available if you have "money in the bank".  I don't really know about the Credit Card issue though, the best people to speak to will be your own bank because they can see that you have money.

I'm over 75 and I don't get any benefits especially pension credit, so no free TV licence, because I have too much "money in the bank".

Worried_fool

rosygale said:

I’m on a small pension below 10K and my Nationwide Visa cc soon wont be accepted at Amazon. I notice the Amazon Classic mastercard doesn’t mention a minimum income in its qualifying criteria. I haven’t tested it out yet though, just waiting to see what happens as I don’t want to go to the bother of getting another cc if I can avoid it.

You could get a Curve card which would work with your Nationwide visa card on Amazon (retailers see Curve as a Mastercard debit card and accept it for payment, but Curve then immediately charge the amount of the purchase to your chosen payment card, which can be a Visa credit card). Income and credit score are not an issue.

lisyloo

JohnSwift10 said:

sleepyjones said:o

I'm not sure about ESA or PIP but some benefits aren't available if you have "money in the bank".  I don't really know about the Credit Card issue though, the best people to speak to will be your own bank because they can see that you have money.

I'm over 75 and I don't get any benefits especially pension credit, so no free TV licence, because I have too much "money in the bank".

I don’t mean to be mean John, but why should “just about managing” and low paid workers support you if you have your own money?
not that you said they should.
benefits are there for people without money in the bank.

lisyloo

cx6 said:

SpanglySaver said:

cx6 said:

not sure if this would work but could you put some money into income producing investments ? or buy an annuity ?

I could but it the extra protection on purchases that I'm wanting. Thanks so much for your help though!

the reason for my suggestion is that you would then have income which would allow you to apply for a card

How does this work?
if the income from investments is variable then how do you declare it? 

It’s speculative isn’t it?

MEM62

lisyloo said:

cx6 said:

SpanglySaver said:

cx6 said:

not sure if this would work but could you put some money into income producing investments ? or buy an annuity ?

I could but it the extra protection on purchases that I'm wanting. Thanks so much for your help though!

the reason for my suggestion is that you would then have income which would allow you to apply for a card

It’s speculative isn’t it?

No, it is estimated.