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Credit Card without the minimum time to be employed

  • 12-02-2016 6:04pm
    #1
    The Raptor
    Closed Accounts Posts: 1,433 ✭✭✭


    The last time I checked for a credit card I was told that I would have to be in work for a meeting minimum amount of time. I don't remember if it was around 9 months or if I have to be permanent.

    But is there any credit card company that will give me a credit card now that im in employment.

    I would be using it for car rental, so i would really like to get one.

    Other wise I could use my debit car to get a car rental but they ask for bank statements, and a bill in your name. I don't have a bill because they are all in my housemates names. So I think a credit card would be easier.


Comments

  • #2
    BuffyBot
    Registered Users, Registered Users 2 Posts: 24,924 ✭✭✭✭BuffyBot


    Generally, you need to be in full-time, permanent employment (i.e. not on probation). If you've just got a job, it's unlikely someone is going to shove a card at you just yet.


  • #3
    The Raptor
    Closed Accounts Posts: 1,433 ✭✭✭The Raptor


    Thanks for that. I guess I need a cheap bill of some sorts. But then I'm signing up for something I don't need.


  • #4
    Toots
    Administrators, Business & Finance Moderators, Society & Culture Moderators Posts: 16,957 Admin ✭✭✭✭✭Toots


    What about mobile phone? Could you switch to one of those 30 day sim only contracts or something? Or find a price plan cheaper than what you spend on pay-as-you-go?


  • #5
    Mrs OBumble
    Registered Users, Registered Users 2 Posts: 26,295 ✭✭✭✭Mrs OBumble


    When I arrived in Ireland and started working (six month fixed term contract), I got a CC from AIB very quickly. Low-enough credit limit, buy ddin't ask to see employment contracts or the like.

    OP, have you asked the bank you are banking with?


  • #6
    The Raptor
    Closed Accounts Posts: 1,433 ✭✭✭The Raptor


    Mrs OBumble wrote: »
    When I arrived in Ireland and started working (six month fixed term contract), I got a CC from AIB very quickly. Low-enough credit limit, buy ddin't ask to see employment contracts or the like.

    OP, have you asked the bank you are banking with?

    I did ask AIB and they wouldn't even look at me and told me I needed to be in a permanent position.

    I think i will look into a mobile phone contract or something like the likes. Its a bill and I have bank statements and payslips and thats all the car rentals are looking for.


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  • #7
    newacc2015
    Closed Accounts Posts: 2,379 ✭✭✭newacc2015


    We are not like the US, where anyone can get a subprime credit card with like 35-40% interest. It is quite difficult to get a credit or any unsecured credit here at the moment. The easiest thing to do would have been to get a line of credit in college and build up a credit rating.

    Have you any former loans or CCs? If not, then apply for a ton of these

    http://www.bonkers.ie/compare-credit-cards/your-results/

    If you have had a loan in the last 5 years be selective, as an institution checking your credit rating. Lowers your rating for a bit


  • #8
    The Raptor
    Closed Accounts Posts: 1,433 ✭✭✭The Raptor


    I have had loans over 10 years ago. Also had a credit card but paid off and cancelled, six or seven years ago. So I can live without one but I didn't know at time of cancelling that it does have advantages like car rentals and hotels.

    Like I wouldn't be renting a car or pay for hotels unless I can pay for it. I make sure I have the funds to do something in advance.


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