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Question about applying credit cards in Australia??

hi, i’m a housewife and not full time working .( only some freelance Graphic Designing jobs) i wish to apply for a credit card for emergency use. How do i apply for one and will i be granted? coz i’m not working, only receiving some family allowence from Center Link. My husband is working, but i wish to apply for a card under my nameIs it possible? any advise? . i never previously own any kind of credit cards before. so i guess my credit rating is good?

Prepaid or debit cards:

These are the easiest option available for bad credit people. There are no verifications, no credit checks, no employment requirements, and the approval is instant. All they have to do is to deposit a money and a prepaid card is issued. This card has the borrowing or buying capacity equivalent to the funds deposited. The good thing with prepaid credit card is that it promotes financial discipline. Some prepaid card issuers report to various credit rating agencies, thus it helps in rebuilding your credit history.

Secured bad credit credit cards

These credit cards are issued to bad credit people who can offer a collateral. Generally, offered to homeowners, secured bad credit cards help one rebuild his credit history. The interest rates and borrowing limits on these credit cards are good and favorable for bad credit people. Secured credit cards can also be linked to a savings account in which case it will have a credit limit of some percentage of your savings or money in your account. As the credit card issuer gains confidence with you it can increase your credit limit. Again, if you control your finances and spending, repay on time and do not default your credit history will improve. Apply online at: http://www.credit-card-gallery.com/PrePaid_Card.html

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