Credit Card


L

Lulu

Hi all

I've always been a 2nd cardholder on my husband's credit card accounts and
I've got one credit card with a small balance in my own name only, with
Virgin, on which the introductory 0% rate is just about to finish.....BUT
I'm a housewife with no earned income of my own - does anyone know of any
other card companies that would be likely to offer me a card? Preferably
with 0% balance transfer and 0% introductory rate or cashback.

TIA
 
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J

Jane Tweedynn

I've always been a 2nd cardholder on my husband's credit card accounts and
I've got one credit card with a small balance in my own name only, with
Virgin, on which the introductory 0% rate is just about to finish.....BUT
I'm a housewife with no earned income of my own - does anyone know of any
other card companies that would be likely to offer me a card? Preferably
with 0% balance transfer and 0% introductory rate or cashback.
I've an idea. Lie and say you do have income. Whats the worst that can
happen.
 
F

Far

It has been alleged in this group previously (a year or so ago?) that if you
lie with the intention of not paying the money this could be classed as a
criminal offence. OTOH if you lie with the intention of paying back the
money, the worst case scenario outlined was that you would have a CIFAS flag
placed on your credit file at credit agencies - since you are married this
would be placed on your husbands file as well as you are financially linked.
This could result in difficulties obtaining credit in the future for both of
you. There is of course a grey area here - what if you lie with the
intention of paying back the money but for reasons unknown you don't? IANAL
and these are merely replies that have been given in the past on this group.

Regards,
Far
 
T

Tom Robinson

It has been alleged in this group previously (a year or so ago?) that if you
lie with the intention of not paying the money this could be classed as a
criminal offence. OTOH if you lie with the intention of paying back the
money, the worst case scenario outlined was that you would have a CIFAS flag
placed on your credit file at credit agencies - since you are married this
would be placed on your husbands file as well as you are financially linked.
This could result in difficulties obtaining credit in the future for both of
you. There is of course a grey area here - what if you lie with the
intention of paying back the money but for reasons unknown you don't? IANAL
and these are merely replies that have been given in the past on this group.
Don't most credit card application forms have a warning on them saying
something along the lines of "it is a criminal offence to lie on this
form"? Or "I confirm that all the above information is correct"?
 
T

Take a Walk

Don't most credit card application forms have a warning on them saying
something along the lines of "it is a criminal offence to lie on this
form"? Or "I confirm that all the above information is correct"?
Its probably a criminal offence to lie and obtain the credit (obtaining
money by false pretences or whatever) , but if you lie and they don't give
you the card then no offence and if you lie , they give you the card and
make all repayments then you have'nt obtained the money and they wouldn't
care anyway?
 
K

Ken Johnson

It has been alleged in this group previously (a year or so ago?)
that if you lie with the intention of not paying the money this
could be classed as a criminal offence.
What about if the credit card company lies to you with the intention of
obtaining money from you?

Ken Johnson
 
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C

Chris Blunt

Don't most credit card application forms have a warning on them saying
something along the lines of "it is a criminal offence to lie on this
form"?
But its not a criminal offence to lie, as long as you're not intending
to do commit fraud in doing so. So that makes their statement a lie in
itself.
 
J

john boyle

Take a Walk said:
if you lie and they don't give
you the card then no offence
Yes, attempting and failing is as bad as attempting and succeeding.
 
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R

Rob Graham

Don't most credit card application forms have a warning on them saying
But its not a criminal offence to lie, as long as you're not intending
to do commit fraud in doing so. So that makes their statement a lie in
itself.
But is that what they actually say?

Rob Graham
 

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