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The credit limit we set is based on the affordability of the product and the applicant’s ability and willingness to pay it back.’Providers including Argos, Capital One, Vanquis, Aqua and Very are also among brands that will consider applications from the unemployed, according to the website uk.
A spokesman for Vanquis said: ‘Whilst being unemployed does not automatically preclude someone from being accepted for credit, in most cases it would make it less likely that they will be accepted.’Fiona Hoyle, of the Finance and Leasing Association, said: ‘Each lender will have their own specific way of checking their customers’ credit worthiness, and this is taken very seriously because, ultimately, it is not in their interest to provide credit to anyone who cannot make the repayments.’Yorkshire Bank said it reviewed a customer’s employment situation, income, existing debts, credit rating and other commitments such as rent and bills when considering an application.
But five years on, it now has no minimum income threshold on the majority of its cards, according to Moneyfacts.
A large number of families are using credit cards to pay for essentials, not luxuries – breadwinners are trapped on zero-hours contracts with fluctuating earnings, which don’t make it easy to budget for outgoings.
Providers have dramatically relaxed their lending criteria, a Daily Mail investigation shows.
Three quarters of all credit cards now take applications from customers earning nothing.
My generation, the baby boomers, are largely unaffected.
We’ve paid for our homes and have years of experience at balancing budgets.