Cash back Credit Card Application


I wonder if someone could provide some advice please?

I pay everything on my credit card, apart from direct debits for utilities, due to his I am thinking of applying for a cash back credit card to pay off my overdraft. However, when I do the credit checks with the MSE it says my eligibility is low because I have entered I don’t pay a mortgage. My husband and I have a joint mortgage, however, it is paid for out of his salary and bank due to my low earnings. How do I overcome the credit checks to be able to get a cash back credit card. I worry that if I did enter our mortgage on my account for the credit check, it would still say not eligible because it would mean I never have any money left after outgoings.

Thanks in advance.


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