Struggling to get a credit card without a regular income? Here are some ways to secure one:
Secured Credit Cards: Use a security deposit as collateral. This deposit can be up to 90% of your Fixed Deposit (FD) amount and acts as a guarantee for the card issuer.
Add-on Cards: Have a spouse or parent with a credit card add you as an additional cardholder. The primary cardholder is responsible for payments.
Student Credit Cards: If you’re a student, check if you qualify for a student credit card, which often has relaxed income requirements.
Enhance Creditworthiness: Maintain a bank account, disclose all sources of income, and ensure timely payments of any bills or debts to build a positive credit profile.
By exploring these options, you can access credit facilities even without traditional income proof.