Money Tips: Is a Phone Necessary for Credit Card Approval?

Posted On: April 27, 2006

Guest: Tirnan
Post subject: Is a Phone Necessary for Credit Card Approval?
Posted: Thu Apr 27, 2006 7:53 pm

Doing a bit of research it seems that some places won’t consider issuing credit without a home phone, cell phones don’t count.

My family has gone all cellular for the past year and loves it. Is this a common requirement, or should I just accept limited options and shop around for issuers that will allow cell phone numbers as home phones? Am I better off just biting the bullet and throwing money down the local baby bell outlet hole?

Guest: fenster
Credit Expert (100+ Posts)
Posted: Thu Apr 27, 2006 8:18 pm

Absolutely not. Any functioning freind/neighbor’s land line will do, you don’t have to be the line’s owner. Nor do CCCs run a check to match number to domicile. If they absolutely must reach you, don’t fret, they’ll catch ya at your work number (if employed course).
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Guest: Tirnan
Posted: Thu Apr 27, 2006 8:23 pm

thanks Fenster!

Guest: shortstop7
Posted: Thu Apr 27, 2006 9:02 pm

[quote="Tirnan"]Doing a bit of research it seems that some places won’t consider issuing credit without a home phone, cell phones don’t count.

My family has gone all cellular for the past year and loves it. Is this a common requirement, or should I just accept limited options and shop around for issuers that will allow cell phone numbers as home phones? Am I better off just biting the bullet and throwing money down the local baby bell outlet hole?[/quote]

i have never had a home line! well…except for maybe when i lived in the dorms in college!

i’ve had the same cell phone number for 6 yrs. that is my home line.
no one has ever said anything to me about it.
and i have a chase card, chase auto loan, and a newly issues hsbc platinum card

Guest: Tirnan
Posted: Fri Apr 28, 2006 8:09 am

ok shortstop maybe I’ll just list my home cellular as the number. We use 3 his, hers, and a home one. If that doesn’t work out I can always use a friend or the lone relative in our area I guess.

Thanks for the reply.