[Greaseball]

OK, I hope this isn't the wrong forum...

But I was wondering if a SAHM can apply for a card herself, in her own name. Right now I can't get a credit card because of some dumb things I did when I was 18

but in another two years I might be eligible. I have one card, but dh had to apply for it himself and then just request a second one in my name.

So if a SAHM applies do they just reject it because she doesn't earn income, or can she just list her dh's income?

 

[Louma]

They hand them out like candy at college campuses. Surely you can get one. I'd definitely do it if I were you.

 

[polka hop]

*

 

[TiredX2]

Yup, I have a credit card in my own name (Amazon.com btw, totally easy to get). They asked for household income.

You might go ahead and apply anyway. The application won't hurt you *that* much and you might be pleasantly surprised.

 

[Doodlebugsmom]

:

 

[rjeast]

Yep I have a few in my name too. I dont know if the app asked for individual or household but I just put household income anyway.

 

[Lucky Charm]

GB, when i was at home full time, i had established credit in my own name, using "household income".

You might be able to get a credit card in your own name now, even with poor credit. 7 years ago my credit was worse than bad, and i got one from Capital One with a limit of $300. Providian does this as well.

Good luck.

 

[hjohnson]

I could get one if my credit score wasn't so crappy. I am working on making it better though.

 

[Starr]

Actually I had a hard time getting one for myself and I'm married and work full time out of the house. I think if I remember correctly my DH had to apply for one and then request another card in a different name. They have lots of ads for really easy pre-approved cards but once you sign all the forms they can say, "not at this time". I didn't have any bad credit I just didn't have credit, and the only way to get credit is to have a credit card, and before you get a credit card you have to prove you have credit.

I dunno. I did apply for a Herbeger's card (because they re easier to get) and I think with my Herb card I could probably get one by myself. Good luck.

 

[onlyzombiecat]

I applied for and got two credit cards as an unemployed single college student.
I wouldn't think they'd care if you are a SAHM.
I don't have credit cards now and don't want one ever again.

 

[quakerlady]

if you go to fool.com theyhave a chart to help you pick a credit card depending on your situation and needs...

 

[be11ydancer]

I suppose I could get a credit card in my name but who wants more debt??

 

[PikkuMyy]

If you want to build credit, Starr, you need to get a secured credit card, where you pay them in advance for your credit limit, like a deposit, then buy and pay it off until you've established that you will pay it down. Then you can upgrade to a "real" one. If you want to enter the wonderful world of debt, that is!

 

[laralou]

I have 2 in my own name. One from Target and one from Amazon. They both have high interest rates though, so I have to pay them off immediately if I use them.

BTW, I don't have great credit either. I had horrible credit before marrying dh and haven't worked since (4 yrs).

 

[mamaroni]

Ability to pay is the key. It doesn't matter if you SAH.

 

[crystallynn]

I got an Amazon card in my name with not-so-good credit history. I've started cleaning it up since being with dh. My amazon is a 0% apr for.... I don't remember how long. Good deal, though.

 

[willowsmom]

I'm sure you can get a credit card....I can't...but only because of my horrible credit from being stupid and married the first time around.

Frankly, I don't want any credit cards at this point...Ken has a few...and we stay on top of things...but it's REALLY difficult. If I want something and don't have the cash for...I don't get it...I'm not known for my frugality, either. I like to spend...spend spend spend. lol On second thought....GIVE ME THAT CREDIT CARD. lol