For people with Orchardbank unsecured credit [unsecured credit card] [annual salary]

Who unsecured credit card and does not work?
What have you for
Applicant in annual compensation and other household annual income? If your does not work, what have you in for Employers Name:
Any tricks

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Reply:
guy, I am sorry if you were offended in anyway by my answer to your question, however, I do not believe I was that harsh, as others have said. I will tell you why? I went back and read all your previous post and it seems that you have made different claims about your employment or lack there of. I understand you say you DO NOT WORK, Then you say, I WORK AT HOME, Then you say you sale stuff on ebay, then you say YOU ARE ON SSI/SSDI?
I DO NOT ANSWER QUESTIONS unless I feel that I can help, so In all honesty, you may have taken my respnse as being negative, however, everyone needs to go back and really read the question and you may see the point of view that I took.
guy, if you are on SSI/SSDI you do have a source of income, this is what the credit card companies want to know. You have also said you work at home, selling on e-bay, therefore you are self-employ,independant contractor,however, if you recieve SSI, please be careful about how much you use the self-employeed title, because it could come back and hurt you, and god knows we all have to scrape to get by these days. I would put for employer:SSI/SSDI Income: TOTAL OF MONTHLY SSI/SSDI BENEFITS x 12 MONTHS.
Again, Your conflicting previous post lead me to believe that you were trying to do something that would end up hurting yourself in the long run. I would never want to give you any kind of info that would do that, so if you took my post as being mean or harsh, I am sorry. If you do as I have said above about who to put down as your employer and income, you will be safe and legal. Good luck in all you dream.
Angelweezy

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Reply:guy, you just asked the same question yesterday and stated that you were working from home. You got several very good answers. SOOO that being said I quess I would have to join Angleweezy and ask the same question?????WHY??????

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Reply:
This is a lot of assumptions about someones charactor that you don't even know!! I have an orchard and I also put self employed but did not say exactly what type of work I did and I was approved. guy start with that and see what happens. I beleive that they don't look at that kind of stuff anyway when your credit score is above a certain number IMO. As a matter of fact they contacted me and I applied then. I also have'nt had any problems with them, but I do make sure that I pay them ontime so I keep a deceit interest rate. If your late just once in a 12 mth period they will jack up your interest rate, so they told me… I hope this helps and be blessed

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Reply:You can put Homemaker as the employment and then just put the total household income.
ETA The Homemaker is intitle to their own personal credit separate from their spouse (I'm not advocating divorce) and CCC's are receptive to that and will grant credit cards to the unemployeed stay at home spouse.

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Reply:
Wow !
I have a friend, she keeps her husband as a permenent student to collect grants, she pays her bills for the year with the grants then collects welfare.They have no intentions of ever working if they can help it.
She was approved for
Chase 6000
Home Depot 2000
and some other card for 2000
All with no real income.And is one of those that absolutely works the system which often angers me to the point I have considered turning her in .She even has it figured out how much a year one of them has to work in order to collect the earned income tax refunds. And I could go on about the schemes she has blows me away as we have only ever collected unemployment for a short period of time while being layed off.
I am sure she lied about her income to get the cards .She now has them all maxed out, I do know this has stressed her out and IMO she is headed down a road that I would want no part of.
Now, if you were approved for a secure card start there. If you are doing credit repair and getting back on your feet, get going.
Be smart about your credit decisions. Earning what you deserve is much better than lying/ cheating your way thru it.
Good luck
Now on the flip side, what she has done is maxed them all out.

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Reply:At the time I applied for the Orchard card I was doing contract work and had been between gigs for about a month.
I used my income over the past 12 months, and put "Self" as my employer.

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Reply:WOW ! That was pretty harsh guy maybe the OP is like me trying to re-establish his / her credit but would also like to see if there is anything that they missed to be denied. I was denied for 2 recent accounts that I thought I would get ,but I would sure like to know if there was anything I could have put in different that really would not have been overboard. I think your post was really inconsiderate and if you couldn't or didn't want to answer his/her question then you should not have responded at all.We are all in different situations and should try to be as positive as we can to each other without assuming or jumping to conclusions about one's personal situation. GOOD LUCK KENO !!!!! I hope someone will answer your question or direct you in the right path.

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Reply:I would be curious to know why you are trying to obtain a credit card in the first place, if you have no income/job??? I would not be an advocate to lieing on any application,it could come back and bite you. If you are trying to clean up your credit reports, like 99% of the people on this board, I would say what you are trying to do is only gonna get you into more trouble credit wise.
However, if you are a stay at home parent, and your mate works, you may have no choice but to allow him/her to obtain credit and add you as an authorized user. I do not think you will find any place anywhere thta will give you any amount of credit with out a job. Even Crown Jewelers requires you to have a job.
Others on this board may see it different than I do and they will tell you so and correct me if I am in the wrong. Good luck,sorry I could not tell you how to get over on a credit card company, no matter how good or bad they may be.
Angelweezy

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