Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    Introduction:

    Nowadays having a credit card is imperative; a powerful financial tool with which you can do anything and everything even without ‘adequate balance at the time’. Banks do not allow all and sundry to get a credit card. There is an element of trust here. Any bank makes sure that the person has a scrupulous banking history as well as a steady income on the basis of which they lend him/ her money. Hence every lender usually mandates income/ employment proof before authorizing the card. But guess what, there are ways around this rule too. And no, it is nothing illegal.

    Let us check out those legal loopholes.

    Salary Vs Income is an interesting math game:

    Salary may be an income. But not all incomes are necessarily salary- your shares that ensure a steady flow of cash into your account, income from property, trust money, income from fixed deposit to name a few. You can even get yourself a credit card if your parent(s)/ guardian supports you financially. Can you think of other such scenarios where one has a stable income but is not working?

    Your say in the familial finances matters:

    Stay-at-home spouses has as much right in the family income especially if he/ she is also in charge. And they can certainly apply for their own credit card.

    You receive income from other sources:

    Many banks permit you to put in grants, child support, alimony, legal compensation etc. as income. And the best part is, these do not even have to be reported.

    There is ample savings up your sleeve:

    Many these days are making plans and working hard in their 20s and 30s to retire by 40. They can easily show papers related to that as income.

    Team up with a co-signer:

    Many parents opt to make their child (mostly studying in another city/ country) a co-signer. Though the other party will be responsible for the debt (like the non-earning party), the first party’s income can be leveraged for this purpose.

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