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Banks are helping fuel a dangerous debt binge by offering credit cards to families with little or no income.Providers have dramatically relaxed their lending criteria, a Daily Mail investigation shows.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.The biggest danger on the horizon for Britain’s robust economy is our credit card-fuelled borrowing binge.He added: ‘It’s time for the Government and the Bank of England to step in.’A Lloyds spokesman said: ‘Whilst we do not quote a minimum income threshold for credit card applicants, this is one of a number of factors considered as part of an affordability assessment.‘All of our lending decisions are driven by our commitment to be a low-risk, responsible lender.’A spokesman for Barclaycard said: ‘Affordability is much more than just a factor of income.
My name is Fast Freddy and I have selected the best free to play car games, racing games and other online games for you.And Barclaycard, the biggest credit card provider, has slashed the salary threshold.Five years ago, 82 credit cards demanded applicants earn at least £10,000 a year. The Office for National Statistics said yesterday that household borrowing has rocketed to its highest level since records began in 1987.In the past month alone, shoppers put another £520million on their credit cards.Families now owe a record £67.3billion, according to the Bank of England.
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