Credit card application with no 'income'

[straitman]

I have removed a couple of posts here. PLEASE stick to the topic and post accordingly and stop picking on each other.

As a self funded retiree I find this an interesting thread and have to say what I am reading mirrors my experience. It is possible to get new CCs but sometimes the amount of 'garbage' they require is over the top. I have walked away from a couple of applications as they were getting way to personal in their information requests.

 

[TomVexille]

I don't think so. But it might depend on exactly how its worded.

I'm no lawyer but surely you're either making a statement or declaration (depending on the credit provider) and doing so on behalf of someone without their permission is fraud.

 

[yld200]

I have removed a couple of posts here. PLEASE stick to the topic and post accordingly and stop picking on each other.

As a self funded retiree I find this an interesting thread and have to say what I am reading mirrors my experience. It is possible to get new CCs but sometimes the amount of 'garbage' they require is over the top. I have walked away from a couple of applications as they were getting way to personal in their information requests.

Thanks Straitman - Have you found that some are worse than others?

 

[straitman]

Thanks Straitman - Have you found that some are worse than others?

I applied for a VA (something) CC several years ago and they simply could not handle my situation. They wanted to know my total worth etc on top of all the other usual questions. I told them where to go but they really didn't comprehend. I haven't bothered with any recently.

I'm no lawyer but surely you're either making a statement or declaration (depending on the credit provider) and doing so on behalf of someone without their permission is fraud.

A very narrow interpretation IMHO as there could be a whole host of acceptable situations.

 

[opusman]

A very narrow interpretation IMHO as there could be a whole host of acceptable situations.

What rubbish.

 

[straitman]

What rubbish.

I don't necessarily need you to agree however I do request/expect a polite answer.

 

[TomVexille]

A very narrow interpretation IMHO as there could be a whole host of acceptable situations.

I'm not saying that filling out the form is fraud, just hitting the "submit" button without approval. Akin to walking into a bank branch and signing their name on a credit card application.

 

[opusman]

I don't necessarily need you to agree however I do request/expect a polite answer.

Sorry, what you are saying is rubbish. There are no circumstances where applying for credit in someone else's name without their knowledge is legitimate.

 

[cove]

I often explain to women that they really do need to have their own credit rather than run with a partner card. It can be too late when their life long partner is gone and they want a credit card but have stopped working. It can be difficult getting to YES and I was pleased that Bankwest were able to get two of my retired friends over the line recently.

 

[TomVexille]

I often explain to women that they really do need to have their own credit rather than run with a partner card. It can be too late when their life long partner is gone and they want a credit card but have stopped working. It can be difficult getting to YES and I was pleased that Bankwest were able to get two of my retired friends over the line recently.

Quite sensible really

 

[cove]

Not all women have all taken up the challenges of superannuation/retirement saving nor credit cards. It is much harder to get a bank to say yes to a first time credit card applicant in the 75 plus age group and the questions asked by banks can be quite upsetting. If all else fails a Citibank debit card is pretty easy to get and use.