How To Get A Credit Card On Disability?

If you’re on disability and need a credit card, you may be wondering where to start. While having a disability can make it more challenging to get approved for a credit card, it’s not impossible. In this article, we’ll discuss…

If you’re on disability and need a credit card, you may be wondering where to start. While having a disability can make it more challenging to get approved for a credit card, it’s not impossible. In this article, we’ll discuss the steps you can take to increase your chances of getting approved for a credit card on disability. From understanding your credit score to exploring your options for secured credit cards, we’ve got you covered. So, let’s dive in and learn how you can get a credit card on disability.

How to Get a Credit Card on Disability?

How to Get a Credit Card on Disability?

If you are living with a disability, you may be wondering if it is possible to get a credit card. The good news is that it is possible, but the process may be slightly different than for someone without a disability. In this article, we will explore the steps you can take to get a credit card on disability.

1. Understand Your Rights

As a person with a disability, you have certain rights under the law. The Americans with Disabilities Act (ADA) prohibits discrimination against people with disabilities in all areas of public life, including banking and finance. This means that credit card companies cannot deny you a credit card simply because you have a disability.

To ensure that your rights are protected, it is important to understand the ADA and how it applies to your situation. You may want to consult with an attorney who specializes in disability law to help you navigate the legal system.

2. Choose the Right Type of Credit Card

Before applying for a credit card, it is important to understand the different types of credit cards available. There are secured credit cards, unsecured credit cards, and prepaid credit cards.

Secured credit cards require a deposit, which is used as collateral in case you default on your payments. Unsecured credit cards do not require a deposit, but may have higher interest rates and fees. Prepaid credit cards are similar to debit cards, and require you to load money onto the card before you can use it.

Consider your financial situation and credit history when choosing the right type of credit card for you.

3. Check Your Credit Score

Your credit score is a number that represents your creditworthiness. It is an important factor that credit card companies consider when deciding whether to approve your application.

Before applying for a credit card, it is a good idea to check your credit score. You can do this for free once a year at AnnualCreditReport.com. If your credit score is low, you may want to work on improving it before applying for a credit card.

4. Gather Your Documentation

When applying for a credit card, you will need to provide documentation to prove your identity and income. This may include your Social Security card, driver’s license, and proof of income such as a pay stub or tax return.

If you receive disability benefits, you may also need to provide documentation of your benefits. This can include a Social Security Administration (SSA) award letter, a Veterans Affairs (VA) benefits letter, or a Supplemental Security Income (SSI) benefits letter.

5. Apply for a Credit Card

Once you have chosen the right type of credit card, checked your credit score, and gathered your documentation, it is time to apply for a credit card.

You can apply for a credit card online, by phone, or in person at a bank or credit union. Be sure to read the terms and conditions carefully before applying, and understand the fees and interest rates associated with the card.

6. Consider a Co-Signer

If you have a low credit score or limited income, you may want to consider applying for a credit card with a co-signer. A co-signer is someone who agrees to take responsibility for your debt if you are unable to make payments.

However, it is important to choose a co-signer who has good credit and is financially stable, as their credit will also be affected if you default on your payments.

7. Use Your Credit Card Responsibly

Once you have been approved for a credit card, it is important to use it responsibly. Make sure to pay your bills on time, and avoid carrying a balance if possible. This will help you build your credit score and avoid high interest charges.

8. Watch Out for Scams

Unfortunately, there are many scams targeted at people with disabilities who are looking for credit cards. These scams may involve high fees or promises of guaranteed approval.

Be sure to research any credit card offers carefully, and avoid any offer that seems too good to be true. You can also check with the Better Business Bureau or the Consumer Financial Protection Bureau to see if there have been any complaints about a particular credit card company.

9. Know Your Rights if You Experience Discrimination

If you believe that you have been discriminated against by a credit card company because of your disability, you have the right to file a complaint. You can file a complaint with the ADA Information Line or the Consumer Financial Protection Bureau.

It is important to keep records of any communication with the credit card company, including phone calls and emails. This will help you provide evidence if you need to file a complaint.

10. Enjoy the Benefits of a Credit Card

Having a credit card can provide many benefits, such as convenience and the ability to build your credit score. With the right type of credit card and responsible use, you can enjoy the benefits of a credit card while living with a disability.

Frequently Asked Questions

What are the requirements to get a credit card on disability?

To get a credit card on disability, you need to meet the same requirements as someone who is not disabled. This means you need to be at least 18 years old, have a steady income, and have a good credit score. However, if you are receiving disability benefits, you may need to provide additional documentation to prove your income.

You can also consider applying for a secured credit card, which requires a security deposit and may be easier to obtain if you have a poor credit score or limited credit history.

Can I get a credit card if I am receiving disability benefits?

Yes, you can still get a credit card if you are receiving disability benefits. However, you may need to provide additional documentation to prove your income. This can include a copy of your benefits statement or a letter from the Social Security Administration.

If you have a poor credit score or limited credit history, you may want to consider applying for a secured credit card. This type of card requires a security deposit and can be a good way to build or rebuild your credit.

What are the best credit cards for people on disability?

There is no one “best” credit card for people on disability, as the best card for you will depend on your individual needs and financial situation. However, you may want to consider credit cards with low interest rates, no annual fees, and cash back or rewards programs.

Some credit cards specifically cater to people with poor credit scores or limited credit histories, and may be easier to obtain if you are on disability. You can compare credit card offers online or speak with a financial advisor to determine which card is right for you.

What should I consider before applying for a credit card on disability?

Before applying for a credit card on disability, you should consider your financial situation and ability to make payments. It’s important to choose a card with a low interest rate and no annual fee, and to make sure you can afford the monthly payments.

You should also be aware of any additional fees associated with the card, such as balance transfer fees or cash advance fees, and read the terms and conditions carefully before applying.

How can I use a credit card responsibly on disability?

To use a credit card responsibly on disability, it’s important to only charge what you can afford to pay back each month. You should also make your payments on time and in full, as late payments can damage your credit score and lead to additional fees and interest charges.

It’s also a good idea to keep your credit utilization low, meaning you should only use a small percentage of your available credit limit. Finally, you should regularly monitor your credit report and score to ensure there are no errors or fraudulent activity on your account.

5 Things Never To Write On Credit Card Applications


In conclusion, obtaining a credit card while on disability can be a challenging process, but it is not impossible. By following the steps outlined in this guide, including researching different credit card options, applying for a secured credit card, and building a positive credit score, individuals on disability can successfully obtain a credit card and begin to build their financial future.

It is important to remember that having a credit card comes with responsibilities, such as paying bills on time and maintaining a good credit score. By using a credit card responsibly, individuals on disability can improve their financial standing and have access to the benefits that come with having a credit card, such as building credit and making purchases online.

Overall, with diligence and perseverance, individuals on disability can successfully obtain a credit card and take control of their financial futures. It may take time and effort, but the rewards are worth it in the end. So, take the first step today and start building a brighter financial future for yourself.

Similar Posts

Leave a Reply

Your email address will not be published. Required fields are marked *