- Centurion Member
- Posts: 4534
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
I agree with not lying on the app. If you do that, and it's caught, and they wish to press charges, you can go to prison for that. Google it - it's happened very recently. Ironically, they are pretty much free to make fraudulent statements at will and as far as I know, no banker has done jail time for anything related to the mortgage mess, so that's justice in America at work for you (the big guys can do whatever they please while the little guy can be made an example of).
Anyway, do NOT lie. If you're a banking executive, you can probably get away with it, but as the average joe, don't do it.
Also I can't think of any creditor who will see no income and approve you. It would be a wasted pull. Don't waste that inquiry when you have 0 chance. Wait until you get a job.
Think about it this way - would you loan money to someone who isn't a close friend or family member who has no job? Probably not, for the same reason they won't want to loan money to you.
Good luck with finding a great new job and then getting the card you're looking for.