Domy2 wrote:Hi folks I am unemployed. I understand a credit card is hard to get in these circumstances. The odd thing about my situation is I CAN afford to pay my credit card back each month even by Direct debit straight back to the credit card people. I have a good amount in my account to do this for another 5 years from my previous job. I will not spend much being on benefits (I have a back injury). My problem lye's with my bank(who cannot open an C Card account) in that they WONT believe me. This is despite me paying them back since being unemployed every month the full amount on a credit card I already have and them seeing how much I have left in my account. They admitted i had good amounts too! I understand that banks many not issue credit cards as easily these days but given what I have said with the above circumstances can some one on this forum please not label me and help me find a credit card(not through my bank) that would be okay. Preferably one which would look at my good history with my 1st credit card since being unemployed in the last 2 years. I need a second C Card for another paypal account on ebay as they require this. This card seems ideal as it has a high interest on it if you dont pay them back(which I will of course) is this the sort of thing I should look for(given low interest cards will not accept me)-or will there terms and conditions turn me down to because of my unemployment! I read online that the history of previous refusals can effect things sometimes? Having read the terms and conditions I cannot see anything specific and am worried that if it goes pear shaped I would get another black mark or rejection on my GOOD HISTORY(how bizarre) I am not the best when it comes to understanding financial things by the way!
REALLY HOPING SOME ONE CAN GIVE ME A HAND HERE-WOULD BE REALLY APPRECIATED!