Can I apply for a credit card if I don't have a fixed annual income?

Fitzy280

Hi all, newbie here. I've got pretty much no credit history so I'm looking into a credit builder card. I work 2 jobs one of which is zero hours, the other is part-time (but I only started that one this summer). Because of this I'm not really sure what my annual income will be. My zero-hours job can vary drastically and Covid has affected it so I don't have an accurate estimate of what I will earn. 
Looking at credit card applications, they don't tend to have an option for 2 jobs. So I think "part time employed" is the closest option for me, but then they ask for your annual income. How accurate does this need to be? Any tips from other multi-job/zero-hours workers for calculating it? Thanks

born_again

Just look at what you earned in a month. X12 = Annual income.

You can apply, it is then up to them if they accept you.

Sandtree

If you dont want to risk anything then ask the bank before applying... whilst banking is more @born_again's area of expertise than mine I'd have thought they'd look more like your last 3 months earnings x 4 rather than just last month x 12 given the volatility you state your earnings has. Certainly when dealing with loss of earnings claim we look over a longer horizon than just the last month. 

Fitzy280

born_again said:

Just look at what you earned in a month. X12 = Annual income.

You can apply, it is then up to them if they accept you.

Does it matter which month though? It varies a lot!

Ergates

Average it out then.

born_again

Fitzy280 said:

born_again said:

Just look at what you earned in a month. X12 = Annual income.

You can apply, it is then up to them if they accept you.

Does it matter which month though? It varies a lot!

How many months have you got?

Hang on my taps dripping... 

Sandtree

born_again said:

Fitzy280 said:

born_again said:

Just look at what you earned in a month. X12 = Annual income.

You can apply, it is then up to them if they accept you.

Does it matter which month though? It varies a lot!

How many months have you got?

Hang on my taps dripping... 

Dont pretend you dont like the suspense it creates

The OP states they started the second job in "summer" so probably around 3-4 months