|
|
| *Ostroff, Fair and Company>>>Credit |
Question about applying credit cards in Australia?? |
hi, i'm a housewife and not full time working .( only some freelance graphic designing jobs) i wish to apply for a credit card for emergency use. How do i apply for one and will i be granted? coz i'm not working, only receiving some family allowence from Center Link. My husband is working, but i wish to apply for a card under my nameIs it possible? any advise? . i never previously own any kind of credit cards before. so i guess my credit rating is good? Prepaid or debit cards: These are the easiest option available for bad credit people. There are no verifications, no credit checks, no employment requirements, and the approval is instant. All they have to do is to deposit a money and a prepaid card is issued. This card has the borrowing or buying capacity equivalent to the funds deposited. The good thing with prepaid credit card is that it promotes financial discipline. Some prepaid card issuers report to various credit rating agencies, thus it helps in rebuilding your credit history. Secured bad credit credit cards These credit cards are issued to bad credit people who can offer a collateral. Generally, offered to homeowners, secured bad credit cards help one rebuild his credit history. The interest rates and borrowing limits on these credit cards are good and favorable for bad credit people. Secured credit cards can also be linked to a savings account in which case it will have a credit limit of some percentage of your savings or money in your account. As the credit card issuer gains confidence with you it can increase your credit limit. Again, if you control your finances and spending, repay on time and do not default your credit history will improve. Apply online at: http://www.credit-card-gallery.com/prepa... You may be able to get a Secured credit card of some kind, but otherwise ANY credit company in ANY location is gonna want to have some "reassurance" that they'll be paid, and someone who is unemployed or only works on occasion probably wouldn't make them feel secure about being re-paid. Otherwise, you may be able to get a regular credit card if you have a co-signer. You can ask your husband to put your name on his card as an authorized user. He has to call the credit card company to add your name on the account. They can send you a card with your name on it. However, he'll be 100% ffinancially responsible. If you are a co-applicant then legally you're responsible as much as he is on that card. |
| Tags |
| Investing Insurance Credit Corporations Other - Careers & Employment Technology |
Finance Categories--Copyright/IP Policy--Contact Webmaster |