Hey there! Sign in to join this conversationNew here? Join for free

Applying for a credit card/ soon to become employed? Watch

    • Thread Starter
    Offline

    14
    ReputationRep:
    I'm thinking of applying for my second credit card (and getting rid of the first one), but I've got a bit confused on what to do.
    I'm a final year at university with a job already lined up (contract signed etc) to begin in July that will pay £22,000 a year. However, is it OK to put that on my application already rather than just 'student', which I'm sure would get me rejected?
    My credit score is 1 off perfect, the 1 point I've been told I would get by getting a new card anyways, and I've never used my overdrafts...
    • Study Helper
    Offline

    21
    ReputationRep:
    Study Helper
    (Original post by VickyDoodle)
    I'm thinking of applying for my second credit card (and getting rid of the first one), but I've got a bit confused on what to do.
    I'm a final year at university with a job already lined up (contract signed etc) to begin in July that will pay £22,000 a year. However, is it OK to put that on my application already rather than just 'student', which I'm sure would get me rejected?
    My credit score is 1 off perfect, the 1 point I've been told I would get by getting a new card anyways, and I've never used my overdrafts...
    You are not employed until your contract starts. Technically, between leaving uni and starting your new job, you are unemployed and so writing employed on your application when you are not could be seen as fraud.

    Wait 'till you get your first pay cheque paid into your bank account. Then apply for the credit card.

    Your credit score will go down as soon as you take out a credit card.
    • Thread Starter
    Offline

    14
    ReputationRep:
    (Original post by uberteknik)
    You are not employed until your contract starts. Technically, between leaving uni and starting your new job, you are unemployed and so writing employed on your application when you are not could be seen as fraud.

    Wait 'till you get your first pay cheque paid into your bank account. Then apply for the credit card.

    Your credit score will go down as soon as you take out a credit card.
    It gets a bit more complicated in that this job I'm taking isn't in the UK.. so remitting the money isn't something I'd do right off the bat, and makes receiving the card harder.
    Offline

    4
    ReputationRep:
    (Original post by VickyDoodle)
    It gets a bit more complicated in that this job I'm taking isn't in the UK.. so remitting the money isn't something I'd do right off the bat, and makes receiving the card harder.
    why would you want a credit card?
    • Thread Starter
    Offline

    14
    ReputationRep:
    (Original post by number23)
    why would you want a credit card?
    It's impossible to get one as a foreigner where I'm off to, but debit cards aren't easily accepted. I want to use it over the 2 years I'm there as the one I want has 0% charges on foreign transactions
 
 
 
  • See more of what you like on The Student Room

    You can personalise what you see on TSR. Tell us a little about yourself to get started.

  • Poll
    Has a teacher ever helped you cheat?
  • See more of what you like on The Student Room

    You can personalise what you see on TSR. Tell us a little about yourself to get started.

  • The Student Room, Get Revising and Marked by Teachers are trading names of The Student Room Group Ltd.

    Register Number: 04666380 (England and Wales), VAT No. 806 8067 22 Registered Office: International House, Queens Road, Brighton, BN1 3XE

    Write a reply...
    Reply
    Hide
    Reputation gems: You get these gems as you gain rep from other members for making good contributions and giving helpful advice.