Can I apply for a credit card if I am unemployed? - Building Credit History FAQ


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Credit Card Applications » Questions » FAQs » Building Credit History » Can I apply for a credit card if I am unemployed?

Can I apply for a credit card if I am unemployed?

Answered on | Updated on February 8th, 2013
The content is accurate at the time of publication and is subject to change.

Being unemployed makes getting a credit card tougher, but yes you can apply for one. Just be careful to choose the right one for your situation. Things to consider as you think about your options include:

  • Your credit history and credit score. You may need a co-signer if these are not in good shape because of your unemployment.
  • Your available resources, including savings, unemployment compensation, household income from other family members, etc.
  • The exact circumstances of your situation and whether you will be able to pay off any purchases you make.

If you do get a credit card, keep these guidelines in mind:

  • A credit card is not an emergency cash fund. Using it as such can result in debt you may not be able to pay off, so be careful about what you charge.
  • Keep your spending small and pay it off each month in full so you don’t get in over your head.

Being unemployed doesn’t make you ineligible for a credit card – just be sure you know what you’re getting yourself into if you are approved.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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