How much do you get paid an hour?

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08-26-2006, 09:20 PM
Mr JP Fugley

Re: How much do you get paid an hour?

Quote:

Originally Posted by Skweeky

I don't have any credit cards and probably will never have one after realising credit card companies are nothing but legalised loan sharks :lol:

Not if you just pay it off ;)
08-26-2006, 09:58 PM
Skweeky

Re: How much do you get paid an hour?

Yeah well, there's the thing
I'm terrible with money. I'd probably run it up to its limit and then spend the next 20 years paying it off.
Safer not to :lol:
08-26-2006, 10:23 PM
Busyman™

Re: How much do you get paid an hour?

Quote:

Originally Posted by Skweeky

I don't have any credit cards and probably will never have one after realising credit card companies are nothing but legalised loan sharks :lol:

So no mortgage or car financing then either.
08-26-2006, 10:26 PM
Busyman™

Re: How much do you get paid an hour?

Quote:

Originally Posted by Skweeky

If there's more than a £2000 difference in the income you quote as your own it DOES get flagged up

fact

The household income is irrelevant. It might increase your initial credit limit, but that's about it. You don't even have to give it if you don't want to.
And as JP said, if you are found to fraudulently apply for a credit card, which includes lying about your income, you get marked by the credit reference agencies and the fraud agencies.

My point stands.
Someone's income is a crucial piece of information if you were thinking about stealing someone's identity.

BTW
They blocked this website at work :cry:

Credit card companies ask for household income though but you it's irrelevant and it need not be given to them.

The fook?:blink:
08-26-2006, 10:30 PM
Mr JP Fugley

Re: How much do you get paid an hour?

Quote:

Originally Posted by Busyman™

Credit card companies ask for household income though but you it's irrelevant and it need not be given to them.

The fook?:blink:

What the fuck does that mean.
08-26-2006, 10:47 PM
Skweeky

Re: How much do you get paid an hour?

Nope, if you don't want to give the household income you don't have to. Just as you can decide not to include your financial partners in the application.

They'll also ask you for your employers address, bank details and more than one contact number. None of which you have to give

Buy my cars cash, don't want a mortgage as I'm not interested in owning a house. I like moving around and I doubt I'll always stay in this country, so why would I want to own a house, or have a mortgage and be at least £70K in debt?

Everything single thing I own is fully mine and I owe no institution any money whatsoever.
08-26-2006, 10:51 PM
Busyman™

Re: How much do you get paid an hour?

Quote:

Originally Posted by Skweeky

Nope, if you don't want to give the household income you don't have to. Just as you can decide not to include your financial partners in the application.

They'll also ask you for your employers address, bank details and more than one contact number. None of which you have to give

Buy my cars cash, don't want a mortgage as I'm not interested in owning a house. I like moving around and I doubt I'll always stay in this country, so why would I want to own a house, or have a mortgage and be at least £70K in debt?

Everything single thing I own is fully mine and I owe no institution any money whatsoever.

That's right you do travel. I forgot.

So disclosing income isn't necessary for credit? How is it a security risk then? I know every union person's income level in my company (it's in a contract book) and some management.

Btw, the most guarded thing here is your SSN#. Income is squat. No SSN, no credito.
08-26-2006, 11:35 PM
Skweeky

Re: How much do you get paid an hour?

Your personal income IS important, but the household income isn't.

It means jack all if your partner earns £50K. If you don't earn at least £10K you're not getting a credit card ( with us anyway, it does vary from company to company) unless you have assets you get an income from. Like property, or shares etc...

Don't know what an SSN nr is but I assume it's like an NI nr here. Not necessary for any type of application.
08-27-2006, 12:26 AM
tesco

Re: How much do you get paid an hour?

Quote:

Originally Posted by Mr JP Fugley

Quote:

Originally Posted by Busyman™

:huh:

hourly wage X 2080 hours

Assuming you get paid leave and work 40 hours a week.

Okay assuming that 22080 yearly:O
Could go up at some point soon too and i also might work some saturdays once in a while.
Considering I have no monthly bills to pay yet and don't own a house...:D
08-27-2006, 01:51 AM
Busyman™

Re: How much do you get paid an hour?

Quote:

Originally Posted by rossco

Okay assuming that 22080 yearly:O
Could go up at some point soon too and i also might work some saturdays once in a while.
Considering I have no monthly bills to pay yet and don't own a house...:D

Okay sorry.

hourly wage X # hours per week work X # weeks per year work

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