If you have a job or if you are a working student, you can apply to have a credit card. Because credit card companies like HSBC will not allow people to apply for a credit card without a salary. If you are a working student, you can apply for one and the amount or limit of your credit card will depend on your salary.
A person is in credit card debt when they have charges on their credit card and can not pay them. A person can make charges on a credit card and make payments at a later date. When a person charges on their credit card, the charge is now a debt that must be paid.
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The use of a deceased person's credit card would constitute credit card fraud. Unlawful use of a credit card is a criminal offense.
Your question is vague. Any person can apply for a credit card. The terms to obtain such a card depend on the credit card issuer to whom you will have to contact to find out about their requirements. Normally the main requirement is being employed and making a minimum yearly salary but you will have to contact them to find out.
Yes, unless the credit card holder told the person that it was a gift.
Applying for a credit card does not mean that a person has to us it. It is advisable that the person does not cancel the card, as this actually is harmful to credit scores, while having an unused credit card can be beneficial for credit scores.
They can't ! A credit card is issued in recognition that the card-holder is able to repay any balance owing. If a person has no regular income - they are extremely unlikely to be granted a credit card !
When a person applies for a car loan, mortgage or credit card, the lender determines if lending money to the consumer will be a risk. Credit scores are one way to help credit card companies make the decision to issue credit. To determine if that person should be given a loan or credit card (apex)
It depends what you mean by a second person. Typically on and existing credit card you can add people who are authorized to use the card. You can also request for credit under more than one person's name.
To determine if that person should be given a loan or credit card
The type of credit that is extended when a person uses a credit card is revolving credit. Revolving credit allows the consumer to carry a balance and pay a minimum monthly.