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As the Mail reports today, three quarters of credit card providers, including names such as Lloyds Bank, are willing to offer plastic to people earning little or nothing.

Moreover, they tempt customers along the road to ruinous debt with zero-rate offers.

A spokesman for Vanquis said: ‘Whilst being unemployed does not automatically preclude someone from being accepted for credit, in most cases it would make it less likely that they will be accepted.’Fiona Hoyle, of the Finance and Leasing Association, said: ‘Each lender will have their own specific way of checking their customers’ credit worthiness, and this is taken very seriously because, ultimately, it is not in their interest to provide credit to anyone who cannot make the repayments.’Yorkshire Bank said it reviewed a customer’s employment situation, income, existing debts, credit rating and other commitments such as rent and bills when considering an application.

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The credit limit we set is based on the affordability of the product and the applicant’s ability and willingness to pay it back.’Providers including Argos, Capital One, Vanquis, Aqua and Very are also among brands that will consider applications from the unemployed, according to the website uk.

Barclaycard used to demand all applicants earned at least £10,000, with some accounts requiring an income of £20,000.



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