Greg112 Posted July 27, 2016 Report Share Posted July 27, 2016 Looking at a credit card application and one item that poses issues is housing status wih the possible responses being - own, rent, live with parents/relatives. I've been domiciled in Livingston at a Rainbow Drive address for five years with all significant items (drivers license, voter reg, vehicle reg, billing addresses etc) reflecting that. So far so good but the next question is monthly payment for housing. I think were I to put zero or even my monthly prorated dues/fees it would raise a flag that zero wouldn't for own (mortgage paid off) or live with parents/relatives. I know Escapees is like a family but I don't think the card issuer would accept that. Seriously, any thoughts on this issue? Link to comment Share on other sites More sharing options...
2gypsies Posted July 27, 2016 Report Share Posted July 27, 2016 Been a long time since we've applied for a card but I would put 'own home' if you're a full-timer and for monthly payment estimate how much in camping fees you pay such as $550 or whatever. However, the next question might be...who do you owe to? Tough call. If it's paid off then put '0'. Do you deal with a specific bank or credit union - someone who know you - who could issue a credit card? Full-timed for 16 YearsTraveled 8 yr in a 2004 Newmar Dutch Star 40' Motorhome and 8 yr in a 33' Travel Supreme 5th Wheel Link to comment Share on other sites More sharing options...
Greg112 Posted July 27, 2016 Author Report Share Posted July 27, 2016 Ah Ha, I think you've got it. We own the coach (our housing) free and clear. We shouldn't need to complicate matters with the fact that it may or may not be located at our address of record, nor what it costs us to park it wherever it may be. Link to comment Share on other sites More sharing options...
AFchap Posted July 27, 2016 Report Share Posted July 27, 2016 "monthly payment for housing" ... yep, if the is no mortgage ...you own your housing/home/RV free and clear ... the monthly payment is $0. Any $you pay for a place to park it is utility expense. Paul (KE5LXU), former fulltimer, now sometimer... '03 Winnebago Ultimate Advantage 40E '05 Honda Odyssey Escapees, FMCA, WIT, SMART http://www.pjrider.com Link to comment Share on other sites More sharing options...
LFDR3116 Posted July 28, 2016 Report Share Posted July 28, 2016 Many people own their homes and have no mortgage. If you don't have a loan on your rv I would answer - own home - monthly payment 0. Pat DeJong Link to comment Share on other sites More sharing options...
whj469 Posted July 29, 2016 Report Share Posted July 29, 2016 I don't have a mortgage on my home or small ranch in SE Texas and I always answer 0 monthly payment. Link to comment Share on other sites More sharing options...
Cruizercamper Posted August 1, 2016 Report Share Posted August 1, 2016 I always use 0 for monthly payments Link to comment Share on other sites More sharing options...
Kirk W Posted August 4, 2016 Report Share Posted August 4, 2016 Put down what your monthly payments really are. The credit companies have the ability to know pretty close how accurate they are anyway so be honest. We have had neither a house payment nor a car payment now since 2000 but still have no problem in getting a credit card when we wish and our credit score is very high. Good travelin !...............KirkFull-time 11+ years...... Now seasonal travelers.Kirk & Pam's Great RV Adventure Link to comment Share on other sites More sharing options...
WeBeFulltimers Posted August 4, 2016 Report Share Posted August 4, 2016 The credit card company is going to base their decision on your CREDIT SCORE anyway! Fulltiming since September 1, 2010 2012 Ford F-350 PSD SRW Lariat Crew Cab 2012 Montana 3585SA Link to comment Share on other sites More sharing options...
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