Credit Card/Job Question?

Question

It's a dumb question but I've always been curious about this.
Do you have to have a job or at least proof of one in order to get/apply for a credit card? If you don't, how you are going to pay for things is another story but im not trying to get into detail.
Just the main question is all im asking an answer for.

Answer 1

As long as you have household income you don't have to have a job to apply for and receive credit.
For example, there are many stay at home moms or dads, etc. who do not have a paying job, but their spouses work.
That is why the creditors have the box asking for household income on the applications.

Answer 2

Not a dumb question, You must be a legal adult (18+) to sign a contract with a credit card issuer, but there is no legal minimum for the age of an "authorized user" added to an adult's account. Each issuer has its own minimums. As the legal adult you need to have a job (they ask you, and in most cases will call your employer to verify) and you should have good credit status. You should not apply for a credit card until you are responsible enough to handle one. Just as any bill that you might have, credit card debt is not fun to pay off.

If your seeing something that you'd like to purchase online, and you need to have a credit card number.. I suggest that you go get a prepaid credit card. They are available everywhere such as your local mall. Good Luck.

Answer 3

I got a credit card at 18, freshamn year in college, no job, no income, no nothing. They do not verify employment. They only look at your score (and by they, I mean computers. It's all computerized).

First thing I did was buy $500 worth of clothes with no way to repay. Of course, my parents paid the card, and I'm betting the credit card companies count on this...

Answer 4

You can report the household income. If you don't have the means to pay your credit card bills then a credit card is probably not the best thing for you.

Answer 5

i got a credit card at age 16 with no job