Assume that one has 0 income, but regularly uses her credit card, always promptly pays the balance (eg from savings). I've heard from some banks that they generally eschew or decline credit card increases to such people, but are there any in Canada that would still consider them?

If not, what could be done by such a person to elicit such an offer from a bank in Canada?

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    Where is the money coming from to pay off your credit card bills? Do you have lots of savings? Is someone paying the bill for you? Do you have investment income? – DJClayworth Jan 9 '15 at 17:20
  • @DJClayworth I ask this as a mere hypothetical, so I'd assume either that one possess savings or that someone else is paying the bill. – Greek - Area 51 Proposal Jan 9 '15 at 18:51
  • You might have a look at the Tour / Help Center to better understand what's on topic. Hypothetical questions are discouraged. – JTP - Apologise to Monica Jan 9 '15 at 20:18
  • If it's savings, then secured or prepaid cards can get about any limit within reason. – brian Jan 10 '15 at 23:05

You must ask for manual underwriting, where an actual person will review your application, as with no income, one will fail standard benchmarks that indicate an ability to repay.

However, many banks will not understand this as they are wedded to the standard process, and would give you trouble even if you had a significant assets in savings with their bank.

If assets in savings are not significant, it may be the case that use of a credit card is not appropriate given a limited asset base.

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