Can I apply for a credit card without my husband knowing?
by Author on Tuesday, July 20th, 2010 | 13 Comments
It's a long story, but my husband took my bank card away a while ago. I did nothing wrong, he's just controlling. I'm a stay at home mom, so I have no personal income. I'd like to have a credit card in case of emergencies. There's been times where we ran out of baby food and and I'd have to feed our son adult food all day and night because I had no way of getting baby food. We also have one car only, so I'd like a way to pay for a cab incase we need to go somewhere during the day.
If I apply for a card, get one and use it...will my husband know if I don't tell him?
He isn't worth trying to fix.
I already have a debit card, he took that away. I can't get another one from the bank since one is already issued to me.
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If you have no income, you won’t be approved for any credit card.
Something about your tale seems a little fishy to me. It sounds more like hubby took away the credit cards and the debit card because of overspending. How about you just keep some cash on hand for those little emergencies?
By the way, what is wrong with a baby eating regular food? Lots of babies eat regular food that has been chopped/mashed. Some folks think fresh home made food is better anyway.
But if you really feel you must feed store bought baby food to your child, perhaps you should do a better job of budgeting and planning to make sure you have an adequate supply on hand and wait till you’re out.
What kind of husband does that?
Before you get a credit card, settle problems with your spouse.
What you might want is a debit card, considering you can get cash out of an ATM that way. A cab isn’t going to take a credit card.
You can probably just go to the bank and ask to get one sent to you. You could probably even get it sent to someone else’s house. If your husband is gullible/oblivious enough, he’ll never know… but once he does, prepare to have some talking to do.
I suggest just finding a way out of the relationship…
But once you get a credit card, you will have a mailed bill statement, or online. If online you need to have an online bank account to pay for it. That would be the only real way of covering it up.
if he ain’t worth it baby, get a card and use it to get an attorney. Then you’ll get all the money you need and your baby will never go without what he needs anymore. Is that a good example for your son? I think not. One strong mama is better than one selfish and one selfless parent.
If you want to get a credit card in your name only you have to show that you have income. They also check you credit. Yes it can be done but how do you plan on making the payments and keeping it from your husband. Not a great idea.
He will find out.
Don’t do it.
Just hide cash whenever you can.
All wifes have a little coffee can in the kitchen with emergency food money.
Just do what they do.
If you can’t save up emergency cash – what makes you think you could pay that credit card bill when it comes due?
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Well, you could certainly apply and possibly get a card, but the problem you would run into, is that you are a stay at home mom. I would imagine that means you have no independent income? Since he took away your debit card. What I would wonder is *how* you intend to pay the credit card bill if you use the card, since you have no income of your own…and if you dip into the bank account, if he is as controlling as you say (and if you can even get in the bank account) he would know…and your scheme would be exposed.
I think what you should do instead of finding ways to get money that you may not be able to pay back, you should either go to a womans shelter with your kid (no man in his right mind lets his kid go hungry or make you *make do* with adult food) or, if your mom/parents live nearby (even if they don’t) I would pack up and go live with them. This isn’t going to get better.
If things are as you say, you need to be seriously thinking of a divorce. Getting a credit card is not going to fix your relationship. It’s like a bandaid on a gaping wound.
You should contact a divorce attorney in order to resolve this problem. Then he’ll be forced to pay child support.
On a practical level, if you have no income you cannot get a credit card in your name alone. But your real problem is a marital relations issue.
Yes, you can. Make sure they don’t mail anything to your house. You can sign up for online statements.
However, I suggest you see a marriage counselor first. It sounds like your marriage has serious problems.
You can report your husband’s income as household income when you apply. Give them your cell as your home number and delete your call logs every time they call. They may still call the landline associated with your house to confirm your address. Intercept the mail when the card arrives and immediately turn off paper statements. Opt out of all junk mailings from OptOutPrescreen and the card issuer. Get a PO box and change your address on file to that; it will catch anything else the card issuer sends.
Many (most? all?) cabs do take credit cards. They don’t like to, because they have to fill out a slip and call their dispatcher for authorization, but they take them. Cabs in larger cities may have point of sale terminals.
As for the debit card, tell the bank that you lost yours and you need another. You’ll have to intercept it in the mail, again. Even then, your husband will be able to see the debits to your (joint?) account. It may be necessary to establish an individual account and deposit money in it whenever you can. Turn off paper statements, or have them delivered to a PO box.
I would not recommend it because sounds like you don’t have a job and the bill needs to be paid when it arrives, and most likely your husband will find out once credit collectors start calling your house trying to collect payments for the unpaid credit cards.