The Question: Can My Spouse Apply for a Credit Card without a Full Time Job?


Can my husband/wife apply for a credit card without a full-time job? They are working casually and land the occasional contract, but do not work on a permanent basis.

Answer: Bank related transactions are governed by the Commercial transaction law no. 18 of 1993, which may differ from one bank to the other, the basis of offering a credit card is always a reliable source of regular income for the applicant. This becomes increasingly difficult if the person is unemployed as it increases the risk of default on the credit card which results in the decrease of chances for that person to get a credit card. If one the spouse is granted a credit card, the other can avail of the supplementary credit card. In all cases, the approval of a credit card Is discretionary by the Bank.

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