volcom883 is offlineAdd to volcom883's Reputation
volcom883's Avatar
volcom883
Pilot Light
Join Date: May 2008
Posts: 173

applying for a credit card. income information seen by lenders?

POSTED BY: volcom883 1 month, 2 weeks ago

hi,
i would like to apply for the halifax cashback credit card but i have recently stopped working. im a s student at present.
on the website it says this: You also need to be over 18 and a UK resident with a regular income.
yes i have an income but i dont work anymore. will they see through the credit report agency if im on the payroll/whether im currently working/how much im getting or something?

thanks

Tags: , , , (Add a tag)


Reply    
Thread Tools   
First Previous 1 2  Next Last

#2

01-10-2008, 10:34
Send a message via MSN to thesaint
thesaint is offline  
thesaint's Avatar
thesaint
Solar Flare
thesaint is getting a little spicythesaint is getting a little spicythesaint is getting a little spicythesaint is getting a little spicythesaint is getting a little spicythesaint is getting a little spicythesaint is getting a little spicythesaint is getting a little spicythesaint is getting a little spicythesaint is getting a little spicythesaint is getting a little spicy
 
Join Date: Apr 2007
Location: They hate what they can't conquer
Posts: 9,132
View FS/FT Feedback
They won't know from your credit report.

Your earnings won't be recorded.
Reply With Quote

#3

01-10-2008, 10:38
Benjimoron is offline  
Benjimoron
Solar Flare
Benjimoron is heating upBenjimoron is heating upBenjimoron is heating upBenjimoron is heating upBenjimoron is heating upBenjimoron is heating upBenjimoron is heating upBenjimoron is heating upBenjimoron is heating upBenjimoron is heating upBenjimoron is heating up
 
Join Date: Sep 2006
Posts: 6,886
View FS/FT Feedback
They could check somehow though I think, otherwise everyone could just say they earn 100K.
Reply With Quote

#4

01-10-2008, 10:39
razta is offline  
razta's Avatar
razta
Flame Thrower
razta is a jewel in the roughrazta is a jewel in the roughrazta is a jewel in the roughrazta is a jewel in the rough
 
Join Date: Feb 2006
Posts: 572
View FS/FT Feedback
Open a student account. You get an overdraft and credit card.
Reply With Quote

#5

01-10-2008, 10:42
aircanman is offline  
aircanman's Avatar
aircanman
Flame Thrower
aircanman has much to be proud ofaircanman has much to be proud ofaircanman has much to be proud ofaircanman has much to be proud ofaircanman has much to be proud ofaircanman has much to be proud ofaircanman has much to be proud ofaircanman has much to be proud of
 
Join Date: Jan 2008
Posts: 802
View FS/FT Feedback
they cant tell, only from your old bank rating credit level.
Reply With Quote

#6

01-10-2008, 10:46
volcom883 is offline  
volcom883's Avatar
volcom883
Pilot Light
volcom883 is a jewel in the roughvolcom883 is a jewel in the roughvolcom883 is a jewel in the roughvolcom883 is a jewel in the rough
 
Join Date: May 2008
Posts: 173
View FS/FT Feedback
ok so i basically could tell them that im working for X company and earning for example £1500 per month. right?
Reply With Quote

#7

01-10-2008, 10:48
Send a message via MSN to thesaint
thesaint is offline  
thesaint's Avatar
thesaint
Solar Flare
thesaint is getting a little spicythesaint is getting a little spicythesaint is getting a little spicythesaint is getting a little spicythesaint is getting a little spicythesaint is getting a little spicythesaint is getting a little spicythesaint is getting a little spicythesaint is getting a little spicythesaint is getting a little spicythesaint is getting a little spicy
 
Join Date: Apr 2007
Location: They hate what they can't conquer
Posts: 9,132
View FS/FT Feedback
volcom883:
ok so i basically could tell them that im working for X company and earning for example £1500 per month. right?
You can do that, but you would be breaking the law.

The lenders may check the details that you give, this rarely happens, but it may become normal practice int the current economic climate.
Reply With Quote

#8

01-10-2008, 11:33
volcom883 is offline  
volcom883's Avatar
volcom883
Pilot Light
volcom883 is a jewel in the roughvolcom883 is a jewel in the roughvolcom883 is a jewel in the roughvolcom883 is a jewel in the rough
 
Join Date: May 2008
Posts: 173
View FS/FT Feedback
yeah in the end i decided to put down STUDENT. guess what? i have been accepted! yessss...
Reply With Quote

#9

01-10-2008, 11:37
csiman is offline  
csiman's Avatar
csiman
Solar Flare
csiman is heating upcsiman is heating upcsiman is heating upcsiman is heating upcsiman is heating upcsiman is heating upcsiman is heating upcsiman is heating upcsiman is heating upcsiman is heating upcsiman is heating up
 
Join Date: Nov 2006
Location: Shoreham-by-sea, near Brighton
Posts: 8,699
View FS/FT Feedback
volcom883:
yeah in the end i decided to put down STUDENT. guess what? i have been accepted! yessss...
Provisionally accepted surely?
Reply With Quote

#10

01-10-2008, 11:57
volcom883 is offline  
volcom883's Avatar
volcom883
Pilot Light
volcom883 is a jewel in the roughvolcom883 is a jewel in the roughvolcom883 is a jewel in the roughvolcom883 is a jewel in the rough
 
Join Date: May 2008
Posts: 173
View FS/FT Feedback
not provisional. definite answer. i was surprised to see their decision that fast(3 seconds)
Reply With Quote

#11

01-10-2008, 12:03
pugw$sh is offline  
pugw$sh's Avatar
pugw$sh
Pilot Light
pugw$sh is a splendid one to beholdpugw$sh is a splendid one to beholdpugw$sh is a splendid one to beholdpugw$sh is a splendid one to beholdpugw$sh is a splendid one to beholdpugw$sh is a splendid one to beholdpugw$sh is a splendid one to beholdpugw$sh is a splendid one to behold
 
Join Date: Sep 2007
Location: http://tinyurl.com/6xrt26
Posts: 396
View FS/FT Feedback
Nice to see that credit card companies are still lending money responsibly!

It's not like there is a global credit problem....................................
Reply With Quote

#12

01-10-2008, 12:51
blackpeppa is offline  
blackpeppa's Avatar
blackpeppa
Solar Flare
blackpeppa has a reputation beyond reputeblackpeppa has a reputation beyond reputeblackpeppa has a reputation beyond reputeblackpeppa has a reputation beyond reputeblackpeppa has a reputation beyond reputeblackpeppa has a reputation beyond reputeblackpeppa has a reputation beyond reputeblackpeppa has a reputation beyond reputeblackpeppa has a reputation beyond reputeblackpeppa has a reputation beyond reputeblackpeppa has a reputation beyond repute
 
Join Date: Aug 2007
Posts: 3,158
View FS/FT Feedback
have you seen american express credit card is %5 cashback for 3 months then 1 and half % after. plus £30 approx if you apply thru quidco.

might be worth checking out.
Reply With Quote

#13

01-10-2008, 14:18
volcom883 is offline  
volcom883's Avatar
volcom883
Pilot Light
volcom883 is a jewel in the roughvolcom883 is a jewel in the roughvolcom883 is a jewel in the roughvolcom883 is a jewel in the rough
 
Join Date: May 2008
Posts: 173
View FS/FT Feedback
yeah bu the AMEX is not accepted by some shops cos of the higher charge(to retailers) and also for warranty purpuses. like with if you payed with amex and your item had gone wrong AMEX will fight until the end to get a refund for you or something..
and i also forgot to mention the difficulty to pass the credit check for AMEX...
whereas the halifax is just a maestro!
Reply With Quote

#14

01-10-2008, 14:52
Kitten13 is offline  
Kitten13
Flame Thrower
Kitten13 is a splendid one to beholdKitten13 is a splendid one to beholdKitten13 is a splendid one to beholdKitten13 is a splendid one to beholdKitten13 is a splendid one to beholdKitten13 is a splendid one to beholdKitten13 is a splendid one to behold
 
Join Date: Sep 2007
Posts: 681
View FS/FT Feedback
I personaly wouldn't have gone near the halifax card at the moment. With halifax's future in the balance at the moment it is a bit risky to enter into any sort of agreement with them imo.
Reply With Quote

#15

01-10-2008, 17:48
Send a message via Skype™ to Bourne9482
Bourne9482 is offline  
Bourne9482's Avatar
Bourne9482
Matchstick
Bourne9482 will become famous soon enough
 
Join Date: Apr 2007
Location: Scotland
Posts: 36
View FS/FT Feedback
Halifax future not really in the balance, about to become UKs biggest bank - besides on a credit card you owe them not vice versa so it wouldnt matter?
Reply With Quote
First Previous 1 2  Next Last

Reply


Thread Tools



Comments powered by vBulletin® Version 3.6.8
Copyright ©2000 - 2007, Jelsoft Enterprises Ltd.