If this is your primary job, what do you use as a job title when you do a credit card shop?

I see no reason to state my true occupation as long as I do not inflate my income. My tax return says "consultant" on my Schedule C. That is good enough for the IRS. I just financed a new (to me) vehicle. Asked for more detail I said that I did free lance work helping companies develop effective employee training materials.

Based in MD, near DC
Shopping from the Carolinas to New York
Have video cam; will travel

Poor customer service? Don't get mad; get video.

Create an Account or Log In

Membership is free. Simply choose your username, type in your email address, and choose a password. You immediately get full access to the forum.

Already a member? Log In.

My point was more about people using differnt occupations each time they open a new credit card. To me, it seems more sensible to pick one and stick with it. Like I posted earlier in response to bgriffin, there's no need to go into detail about it. Consultant, self-employed, etc. is good enough to use each time.
At this point in time, if shopping for a Lamborghini, I am a "Football" commentator wife. (Commentator because of my age. Otherwise, I'm a cougar smiling smiley ). My husband is away working games. As for who he is, I AM an avid football fan, and can definitely identify an appropriate college or pro commentator.

When we are travellers, the world is our house and the sky is our roof, where we hang our hat is our home, and all the people are our family.- (modified from Drew Bundini Brown)
I want another room added to my house.


Edited 1 time(s). Last edit at 09/22/2019 06:16PM by CureMS.
@JASFLALMT wrote:

When you open credit card accounts like the OP did, shouldn't you keep your employment title consistent and truthful, though? I thought it was illegal to give false information on a credit card application?

@sestrahelena wrote:

"House cleaning", if the scenario doesn't require a large net worth. "Recently inherited a lot of money" if it does.

Sorry, I did not see where an actual application was submitted. I read it as an inquiry with a banker/rep about a credit card. Maybe I've done too many role-playing inquiry shops!

sestrahelena


Edited 1 time(s). Last edit at 09/23/2019 12:58AM by sestrahelena.
@JASFLALMT wrote:

Market research specialist

I also use that one more than any other. However, when I first met my wife and she asked me what I did for a living, I told her I was a spy. I once told a customs officer, when entering the U.S., that I was a private investigator. He said welcome back.
My most recent credit card shops were inquiry not opens so I embellish more to find out what cards they will sell to a more affluent client. If you're opening a card up, you absolutely should not do that.
This may sound naive, but I thought when you applied they checked with the IRS for:

1.) income
2.) accuracy of job title
3.) sufficient income (don't you need to make like $12,000-ish to qualify for a credit card?....I know I DON'T make that much from ms-ing....not even gross sadly....net is way, way, way lower)

I know they check something/some system....is it not the IRS? And would the IRS have your accurate deets? I know they don't just give anyone a cc, as it's a risk. And if it didn't match, would you be denied?

Edited 1 time(s). Last edit at 10/01/2019 03:18PM by shoptastic.
They check with one of the credit bureaus. The IRS would not and does not release that information without a court order. Each bank sets its own criteria for issuing a credit card, and at the bottom end (poor credit) are pre-paid and secured credit cards. As far as I can recall, the IRS has never asked for my job title on an income tax return. I don't think the credit bureaus know that either. And job titles vary from one company to another. Every bank branch I visit seems to have a Vice-President present. So - a span of control of 24 people (maybe)? A large Fortune 100 company would ikely have a vice-president with a span of control of a thousand people. Or maybe not.
@shoptastic wrote:

This may sound naive, but I thought when you applied they checked with the IRS for:

1.) income
2.) accuracy of job title
3.) sufficient income (don't you need to make like $12,000-ish to qualify for a credit card?....I know I DON'T make that much from ms-ing....not even gross sadly....net is way, way, way lower)

I know they check something/some system....is it not the IRS? And would the IRS have your accurate deets? I know they don't just give anyone a cc, as it's a risk. And if it didn't match, would you be denied?

Shopping Southeast Pennsylvania, Delaware above the canal, and southwestern NJ since 2008
Today I was surprised to be offered a great fee, plus a great bonus, to do a phone shop to apply for a personal loan. I had applied for this a long time ago and thought it must have been long gone. When I read the guidelines it said, "You must be employed." So, I contacted the scheduler to confirm that self-employed was acceptable (since loan qualification process is often different for SE folks.) In a nutshell, here is her response,
SE is fine. Just do not give your occupation as Mystery Shopper. I have had two different shoppers do that already this month.:"

Based in MD, near DC
Shopping from the Carolinas to New York
Have video cam; will travel

Poor customer service? Don't get mad; get video.
@walesmaven wrote:

Today I was surprised to be offered a great fee, plus a great bonus, to do a phone shop to apply for a personal loan. I had applied for this a long time ago and thought it must have been long gone. When I read the guidelines it said, "You must be employed." So, I contacted the scheduler to confirm that self-employed was acceptable (since loan qualification process is often different for SE folks.) In a nutshell, here is her response,
SE is fine. Just do not give your occupation as Mystery Shopper. I have had two different shoppers do that already this month.:"

Oh brother!
I should be surprised, but I am not. Yikes!
@walesmaven wrote:

"... In a nutshell, here is her response, SE is fine. Just do not give your occupation as Mystery Shopper. I have had two different shoppers do that already this month.:"

Shopping Southeast Pennsylvania, Delaware above the canal, and southwestern NJ since 2008
@myst4au wrote:

As far as I can recall, the IRS has never asked for my job title on an income tax return.

I wrote in secret shopper (teacher and tutor) on mine. Not sure if it's required, but I recall a box for it. (maybe just optional) smiling smiley

Edited 2 time(s). Last edit at 10/13/2019 08:19AM by shoptastic.
@walesmaven wrote:

Today I was surprised to be offered a great fee, plus a great bonus, to do a phone shop to apply for a personal loan. I had applied for this a long time ago and thought it must have been long gone. When I read the guidelines it said, "You must be employed." So, I contacted the scheduler to confirm that self-employed was acceptable (since loan qualification process is often different for SE folks.) In a nutshell, here is her response,
SE is fine. Just do not give your occupation as Mystery Shopper. I have had two different shoppers do that already this month.:"

I saw a shop similar to that and did not apply for it. The shop rules said you needed to be employed. I just assumed they did not include mystery shopping as obviously anyone who applied for and got that job would be employed as a mystery shopper so why even mention it? I guess it could be your first job so you are not yet a mystery shopper. But as for employment, at my age I can easily say I am retired. Since much of the wealth in this country is concentrated in us older people that should not be a deal breaker. In fact I got a new credit card last month..no one ever asked me for my occupation. For the same reason I see no reason why someone who says they receive social security should be rejected. A social security check is much more stable than a job you might get fired from. And just because you receive social security that does not mean you have no other sources of money.
Sorry, only registered users may post in this forum.

Click here to login