I have a 27 yr old relative who is looking to obtain their first credit card, mainly for the feature of Section 75 purchase protection, but also for occasional cheap overseas spending when on holiday.
He applied online for a Halifax Clarity Card last in September but was rejected instantly on the grounds of being unemployed, despite declaring on the application the income he obtains from DLA and ESA (he has a long-term disability).
I recommended he check his credit report with one of the three rating agencies, and he has an Equifax score of 471 with no negative aspects on his file.
He's asked me what his next move should be, but I'm hesitant to advise him to apply for another card without first seeking advice myself from you knowledgable folk, as the last thing I want to do is cause another rejection for him!
Should he apply for a 'credit rebuilder' card to try to create a credit history for himself, and then apply for a card like the Halifax Clarity card at some point the future? Or does the fact that he is unemployed effectively kibosh his chances of being accepted for any credit card?
He applied online for a Halifax Clarity Card last in September but was rejected instantly on the grounds of being unemployed, despite declaring on the application the income he obtains from DLA and ESA (he has a long-term disability).
I recommended he check his credit report with one of the three rating agencies, and he has an Equifax score of 471 with no negative aspects on his file.
He's asked me what his next move should be, but I'm hesitant to advise him to apply for another card without first seeking advice myself from you knowledgable folk, as the last thing I want to do is cause another rejection for him!
Should he apply for a 'credit rebuilder' card to try to create a credit history for himself, and then apply for a card like the Halifax Clarity card at some point the future? Or does the fact that he is unemployed effectively kibosh his chances of being accepted for any credit card?