{"id":51,"date":"2019-09-06T13:29:13","date_gmt":"2019-09-06T13:29:13","guid":{"rendered":"https:\/\/fouedbenslama.com\/?p=51"},"modified":"2020-12-11T14:04:13","modified_gmt":"2020-12-11T14:04:13","slug":"can-you-get-a-credit-card-if-youre-unemployed","status":"publish","type":"post","link":"https:\/\/fouedbenslama.com\/?p=51","title":{"rendered":"Can you get a credit card if you\u2019re unemployed?"},"content":{"rendered":"\n

Credit\ncards are exceptionally handy things to have around for many reasons. They\u2019re\ngreat for emergencies, plus they can help you build up credit. Perhaps you\u2019re\nfresh out of college and hitting the pavement in hopes of finding a new job, or\nperhaps you\u2019ve recently lost a job and are searching again after a few years in\nthe workforce.<\/p>\n\n\n\n

Whatever\nthe scenario, you might be wondering, can you get a credit card if you\u2019re\nunemployed? Yes, you can. You\ncan even get one if you\u2019re a housewife (read\nall about that here!)<\/a><\/strong><\/p>\n\n\n\n

Unemployment\ndoesn\u2019t mean you can\u2019t get a credit card. There\u2019s a lot more to the\ndecision-making process for those credit card issuers than whether you\u2019re got a\njob or not. Truth be told, they are much more interested in your income than\nwhat you do for a living.<\/strong><\/p>\n\n\n\n

If\nlife isn\u2019t going your way right now, keep reading and I\u2019ll shed some light on\nwhat those credit card issuers ARE looking at, how you can successfully get\napproved for a credit card even when you\u2019re unemployed, and which cards I\nrecommend you apply for during this period of unemployment in your life. <\/p>\n\n\n\n

What\ncredit card issuers look at<\/strong><\/h2>\n\n\n\n

So, I just said before that the credit card issuers care more about your income than your job. They don\u2019t care what you do (or did, or have yet to do) for a living. What they look for is your credit score, credit history, and a thing called the debt-to-income ratio.<\/strong><\/p>\n\n\n\n

I\u2019m\ngoing to break each of these down separately below.<\/p>\n\n\n\n

–\nCredit score<\/strong><\/h3>\n\n\n\n

A\ncredit score is a 3-digit number that is used by creditors to determine your\nreliability in regard to paying back your obligations. On the low end, someone\nwith terrible credit would have a score of 300. On the high end, that number is\n850. Obviously, the higher your credit score, the better chances you\u2019ll have of\nbeing approved, whether you\u2019re employed or not. Remember, there are plenty of\npeople with jobs that have bad credit!<\/p>\n\n\n\n

This\nscore is determined by your credit history (more on that in a moment), and\nincome requirements can be met even without listing a job on your application\nif you have any other money or income to list (like that of a spouse for\nexample\u2026again, see my post about how\nhousewives can get credit cards<\/a>). <\/p>\n\n\n\n

If\nyour income comes up as less than the required amount, there are still ways to\nbuild credit or maintain existing credit standing. We\u2019ll touch on those later\non so keep reading. <\/p>\n\n\n\n

–\nCredit history<\/strong><\/h3>\n\n\n\n

Credit\nhistory is where your credit score is derived from. It is a record composed of\nall the credit accounts you\u2019ve had over the last 7 years. It includes details\nlike the type of account you had, whether you were a joint account holder, the\ncredit limit or loan amount, any balance, the minimum payment, any late\npayments, and the status of that account in current terms. When this is\nanalyzed by the three credit bureaus, a number is generated, which is your\ncredit score.<\/p>\n\n\n\n

–\nDebt-to-income ratio<\/strong><\/h3>\n\n\n\n

Sometimes,\nyou might apply for a credit card but get denied even if you have good credit.\nThis happens when your debt-to-income ratio (which you may see noted as \u2018DTI\u2019)\nis high. This ratio is important, but it might not hinder your credit score.\nThis is one of the big deciding factors when it comes to whether or not you\u2019ll\nreceive that credit card.<\/p>\n\n\n\n

This\nratio shows how much you\u2019re spending per month on your debts (so all your\nbills, mortgages, car loan, etc.) compared with what you\u2019re bringing in monthly\nwith your income. It\u2019s converted into a percentage. When your DTI is less than\n30% to around 36%, this is considered low debt, which is good. You have a\nlittle wiggle room here, but generally speaking, if that number is 40% or\nabove, the lender thinks of you as a high risk, even if your credit score is\nhigh. <\/p>\n\n\n\n

DTI\nis basically even more important than your credit score. Keeping this ratio in\na good range will ensure approval on your credit card application.<\/p>\n\n\n\n

But\nwait\u2026how do you do that when you\u2019re unemployed? Keep reading and I\u2019ll show you\nhow!<\/p>\n\n\n\n

You\ncan list other types of income on your credit card application<\/strong><\/h2>\n\n\n\n

Just\nbecause you don\u2019t have a job (yet!) doesn\u2019t mean you don\u2019t have any income. You\nlikely have some kind of income you\u2019re relying on while you\u2019re unemployed. For\nthose of you over 21, you can list the household income you have what they call\na \u201creasonable expectation of access\u201d too, which would mean income coming from\nyour spouse (if you\u2019ve already married) or even via your parents (if you\u2019re\nliving at home). <\/p>\n\n\n\n

But\neven in the absence of loved ones in your life whose income could help bolster\nyour DTI, you can also use investment returns, Social Security payments, or if\nyou were let go from your job, you could also list unemployment benefits on\nyour credit card application. The credit card companies don\u2019t care what you do\nfor a living as long as you can prove you have some access to income, your\ncredit history is in good standing, and your DTI is low. Once approved, your\ncredit limit is contingent on the income you have access to and that DTI.<\/p>\n\n\n\n

The Credit CARD Act from 2009<\/a> requires all lenders to consider you fairly by looking at your ability to make payments when you submit an application for a credit card. Some will look into your other obligations, things like a mortgage, rent, other debts, or even alimony that you owe (or that is owed to you). <\/p>\n\n\n\n

This\nCARD Act also helps protect those first starting out into the world of credit.\nIt once was the case that cards were given out more easily which led to lots of\ndebt being accumulated. The law then worked against housewives but was\ncorrected to help housewives (as well as anyone else that might not have a job\noutside the home) get approved under the right circumstances.<\/p>\n\n\n\n

How\nto get a credit card when you\u2019re unemployed<\/strong><\/h2>\n\n\n\n

If\nyou need a credit card during your time of unemployment to help you cover the\nunexpected or to build up your credit, there are ways of getting one. Here\u2019s\nwhat you can do to get a credit card when you\u2019re unemployed. <\/p>\n\n\n\n

–\nGet a co-signer<\/strong><\/h3>\n\n\n\n

I\nshould specify here that this co-signer should have a good credit score and a\nsteady income. Family (like your parents or your spouse if you\u2019re married) are\nyour best options here, though you can ask a friend in the absence of any\nfamily that can help you. This person must be agreeable to make the payments if\nyou can\u2019t, which might be a big imposition on a friend. It\u2019s a big imposition\nto ask a loved one too, so you should be prepared to be responsible and make\npayments on time so you don\u2019t ruin their credit score. Side note: You\u2019ll ruin\nyours too if you get a co-signer and don\u2019t live up to your promises. <\/p>\n\n\n\n

–\nJoin someone\u2019s card as an authorized user<\/strong><\/h3>\n\n\n\n

Another\noption to ask family or friends is if you can become an authorized user on one\nof their credit accounts. You get your own card with your own name but it\u2019s\nlinked to their account. Again, they are responsible for the payments but you\ncan make an agreement where you set a spending limit and stick to a payment\nplan. If you don\u2019t, you will hurt their credit score, and as with co-signing,\nyou\u2019ll wind up wrecking yours too. Plus, depending on the card, the issuer may\nreport your credit activity as an authorized user to the credit bureaus so it\u2019s\nwise to practice good habits.<\/p>\n\n\n\n

–\nGet a secured card<\/strong><\/h3>\n\n\n\n

Secured\ncards are another option that may help if you have some money saved up. You can\nuse your own money as a security deposit which the card issuer holds as\ncollateral. So if you don\u2019t pay your bill on time, you lose it. The amount of\ncredit you get is equal to the amount of your deposit. In most cases, they will\napprove you for a secured card because of the collateral with the deposit. The\nincome requirements generally aren\u2019t as stiff and once you upgrade to a regular\ncard, you can get your deposit back. <\/p>\n\n\n\n

How\nto protect your credit rating when you\u2019re unemployed<\/strong><\/h2>\n\n\n\n

With\nthe economy as unpredictable as it is right now, it can be very unsettling to\nlose your job. You might be wondering what you can do to avoid ruining your\ncredit rating during the time you\u2019re unemployed. Keep reading and I\u2019ll walk you\nthrough it.<\/p>\n\n\n\n

–\nPay what you spend on your credit card immediately<\/strong><\/h3>\n\n\n\n

I\nalways recommend, whether you have a job or not, to only spend what you can\nafford in cash. If you put this on your credit card and pay it off fully,\nyou\u2019ll get the rewards AND boost your credit score. You should keep whatever\nyou spend to no more than 30% of your credit limit. <\/p>\n\n\n\n

Before\napplying, you should think about the kind of money or income you have access to\nthat would allow you to repay what you put on the credit card. If you have\nsavings, that should help but if not, unemployment usually means you\u2019ll need to\nkeep your budget tight to pay those bills or else you\u2019ll drag your credit\nstanding down. <\/p>\n\n\n\n

Take\na look at your bank statements and see how much cash you feasibly have left\nafter paying all your bills for the month. If you have enough to make payments\non a credit card, then this will be a good option. If not, you don\u2019t want to\nfall behind on repayments, incur penalty fees, and ruin your credit history,\nespecially if it\u2019s currently in good standing. <\/p>\n\n\n\n

–\nConsider payment protection<\/strong><\/h3>\n\n\n\n

You\nmay want to go ahead with a credit card though if you get payment protection.\nYou pay a fee and this payment protection insurance will put your payments on\nhold for a designated amount of time. This can give you peace of mind if you\u2019re\ngoing through a hard time.<\/p>\n\n\n\n

–\nGet your credit report<\/strong><\/h3>\n\n\n\n

You\nshould always know your credit standing. Before you start looking for new work,\nyou should get those credit reports from the three credit bureaus. They\u2019re free\n(when you get them once per year) and this way, you can check out if there are\nany errors on your credit report to get them corrected first.<\/p>\n\n\n\n

–\nCommunicate with creditors<\/strong><\/h3>\n\n\n\n

One\nof the worst things you can do is hide from your problems. It\u2019s definitely\nupsetting to be out of work, but if you want to make things a bit easier, call\nyour creditors and let them know. Many will work with you, especially if you\nhave never been delinquent before. <\/p>\n\n\n\n

–\nDon\u2019t get tons of cards<\/strong><\/h3>\n\n\n\n

You\nmight think that getting a bunch of new credit cards after you lose your job\nwill help you have more credit on hand. And while that is true, when you apply\nfor too many of them, it makes it much more likely that you\u2019ll rack up more and\nmore debt that you can\u2019t afford. Get one and keep your credit in good standing!<\/p>\n\n\n\n

Which\ncredit cards to opt for when you\u2019re unemployed?<\/strong><\/h2>\n\n\n\n

That\nbeing said, there are certain credit cards that will serve you better than\nothers. If you want to keep your credit in good standing or at the very least\nkeep it from tanking, you should take a look at these cards I\u2019ve found for you.\nThey are the best ones to apply for when you\u2019re unemployed. <\/p>\n\n\n\n

–\nCapital One Secured Mastercard<\/strong><\/h3>\n\n\n\n

Remember\nwhat I said about secured credit cards? This one by Capital One can really help\na lot, especially if you need it for an emergency. You can get a $200 credit\nlimit by making a minimal deposit of just $49 if that\u2019s all you\u2019ve got.\nAdditionally, you could put down $99 or $200 if you can. When you pay 5 monthly\npayments on time, you get rewarded with a higher credit limit and can start\nbuilding credit, without having to add an additional deposit to the amount.<\/p>\n\n\n\n

There\nare no rewards, but because the security deposit is incredibly low and there are\nno annual fees, you can build better credit in your own name. This is a great\ncredit card to apply for if you\u2019ve lost your job, or if you\u2019re in that between\nperiod after college before finding your first \u201cgrownup\u201d job. <\/p>\n\n\n\n

In\nsummary, the Capital One Secured Mastercard gives you:<\/p>\n\n\n\n

  • No\nannual fee<\/li>
  • Credit-building\nbenefits when used responsibly<\/li>
  • Regularly\nreports your credit standing to the three credit bureaus<\/li>
  • Allows\nfor a low security deposit<\/li>
  • Increases\ncredit line with 5 monthly on-time payments<\/li><\/ul>\n\n\n\n

    –\nDiscover it Secured<\/strong><\/h3>\n\n\n\n

    How\nwould you like to make money right now? That\u2019s what the Discover it Secured\ndoes for you, not a bad option if you\u2019re unemployed. This secured card has no\nannual fee and is a cash back card that gives you 2% when you spend at gas\nstations and restaurants (maximum of $1,000 per quarter). Your cash back is\nmatched at the end of the first year.<\/p>\n\n\n\n

    So\nmaybe you\u2019re not going wild buying things when you\u2019re unemployed, but you most\nlikely need gas for your car to get to job interviews and the like. My feeling\nis why not get something in return? <\/p>\n\n\n\n

    You\u2019ll\nbe building credit and getting money back. Make sure you\u2019re paying your monthly\nbill on time to keep that good credit up. And if you have bad credit, it\u2019s\nstill possible to get this card. There is one catch, and that\u2019s a $200 minimum\ndeposit. But considering you\u2019ll gain money out of it, it\u2019s not such a big deal.\n<\/p>\n\n\n\n

    In\nsummary, the Discover it Secured gives you:<\/p>\n\n\n\n

    • No\nannual fee<\/li>
    • Cash\nback of 2% when you spend at gas stations and restaurants (max $1,000\/quarter)<\/li>
    • Builds\ngood credit<\/li>
    • A minimum\nsecurity deposit of $200 required<\/li>
    • Can\nget even if you have bad credit<\/li><\/ul>\n\n\n\n

      –\nHSBC Gold Mastercard\u00ae Credit Card <\/strong><\/h3>\n\n\n\n

      Another\ncredit card I\u2019d recommend for the recently unemployed is the HSBC Gold\nMastercard Credit Card. It has a couple of extras that you may find very useful\nonce you do get employed again as well as some that will help you right now.\nIt\u2019s a great card if you\u2019re trying to reduce debt. The generous introductory\nAPR is a big help though it does have a 4% transfer fee, or $10 depending on\nwhich is greater, which is a little higher than others. <\/p>\n\n\n\n

      It\nwon\u2019t earn you any rewards, but there are some perks once you do get back on\nyour feet and get a chance to travel (for business or pleasure). There are no\nforeign transaction fees and travel accident insurance. There\u2019s also price\nprotection and an extended warranty. Emergency roadside services though is one\nbenefit that can give you peace of mind right now as you\u2019re looking for new\nemployment. <\/p>\n\n\n\n

      Initially,\nyou\u2019ll enjoy the first 18 months without any interest though that will increase\nto 13.24, 17.24 or 21.24% after that (each contingent on your credit score). But\nif paying down that debt is a concern, it\u2019s a great idea to buy yourself some\nmore time. Just watch that transfer fee as it can add up when you have a large\nbalance going. <\/p>\n\n\n\n

      While\nit does offer a one-time late penalty waiver (per year), you should watch out\nfor not going over 60 days late during that 18-month intro period or you\u2019ll run\nthe risk of losing the 0% APR. This card benefits you the most when you make\nyour payments steadily and on time while getting the balance down before that\n0% ends. <\/p>\n\n\n\n

      In summary, the HSBC Gold Mastercard gives you:<\/p>\n\n\n\n

      • Introductory\n0% APR for both purchases and balance transfers in the first 18 months<\/li>
      • Variable\nAPR ranging from 13.24 to 21.24% applies after that<\/li>
      • No\npenalty APR<\/li>
      • Late\nfee waiver once per year<\/li>
      • No\nannual fee<\/li>
      • No\nliability for unauthorized purchases<\/li>
      • No\nforeign transaction fees<\/li>
      • Great\nfor reducing debt<\/li><\/ul>\n\n\n\n

        –\nIndigo Platinum Mastercard<\/strong><\/h3>\n\n\n\n

        If\nyou want to build your credit, the Indigo Platinum Mastercard might be the way\nto go. It reports to all three of those major credit bureaus which is good when\nyou\u2019re making payments on time. For those of you with good credit, you might\nnot have to pay an annual fee, however those with bad credit will have annual\nfees that could be $59 or $99 depending on your current credit situation. <\/p>\n\n\n\n

        However,\nif you\u2019re a new cardholder, that annual fee is only $75, for the first year. Be\nforewarned that the card features an interest rate of 23.9% APR, usually what\nthey charge for those with poor credit so if you get this card, you\u2019ll want to pay\nthe balance right away to avoid incurring expensive interest charges.<\/p>\n\n\n\n

        One\nthing I like about this card though is you can pre-qualify for it without it\naffecting your credit score. Every time someone runs a credit check on you, it\nputs a temporary ding in your score. This isn\u2019t very significant if you have\ngood credit, but for anyone with bad credit, it can just make things worse. By\ngetting the chance to see if you qualify and what annual fee they\u2019d charge you,\nyou\u2019ll be able to make a better decision with no strings attached and no damage\ndone. <\/p>\n\n\n\n

        The\ncredit limit is only at $300 which seems like a lot of trouble to go through to\nget such a low amount, however, when your situation is dire and you have no\nother way of obtaining credit, you can start building credit with this card. It\nalso offers a 1% foreign transaction fee and while some cards don\u2019t impose fees\nabroad, if you can\u2019t qualify for anything else, it\u2019s going to help you step in\nthe right direction. <\/p>\n\n\n\n

        In\nsummary, the Indigo Platinum Mastercard gives you:<\/p>\n\n\n\n

        • Pre-qualifying without any damage to credit score<\/li>
        • Can get even if you\u2019ve had a previous bankruptcy<\/li>
        • Quick and easy pre-qualification process<\/li>
        • Free online access that\u2019s mobile-friendly<\/li>
        • Fraud protection should your card be lost or stolen<\/li><\/ul>\n\n\n\n

          Conclusion<\/strong><\/h3>\n\n\n\n

          Starting\nout after college is tough. So is losing your job. When you need a way to have\nprotection to pay bills or buy what you need, a credit card can help. You can\nbuild up credit if you don\u2019t have it or use your good credit standing to help\nyour situation until the job tides turn. These cards can help so look into\nthem!<\/p>\n","protected":false},"excerpt":{"rendered":"

          Credit cards are exceptionally handy things to have around for many reasons. They\u2019re great for emergencies, plus they can help you build up credit. Perhaps you\u2019re fresh out of college and hitting the pavement in hopes of finding a new job, or perhaps you\u2019ve recently lost a job and are […]<\/p>\n","protected":false},"author":1,"featured_media":53,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-51","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards"],"yoast_head":"\nCan you get a credit card if you\u2019re unemployed? - Foued Ben Slama<\/title>\n<meta name=\"description\" content=\"Yes, you can get a credit card if you\u2019re unemployed. 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