# Credit Cards Easiest for Retirees to get
**URL:** https://community.clark.com/t/credit-cards-easiest-for-retirees-to-get/5185
**Category:** Credit Cards
**Created:** [May 15, 2024, 1:05am UTC](https://community.clark.com/t/credit-cards-easiest-for-retirees-to-get/5185 "2024-05-15T01:05:43Z")
**Posts on this page:** 8
**Page:** 1
### Author:  [@JoeParks](https://community.clark.com/u/JoeParks)
#### Post date: [May 15, 2024, 1:05am UTC](https://community.clark.com/t/credit-cards-easiest-for-retirees-to-get/5185/1 "2024-05-15T01:05:43Z")
I am retired and have adequate retirement assets but modest Social Security income. My FICA score is well over 800. If asked about my monthly income, based on Social Security, I cannot qualify for a credit card at my credit union or bank. I see recommendations for the “best credit card for retirees,” but what are the recommendations for “easy credit cards for retirees to acquire”? I always pay my balances in full every month. Can I include my monthly retirement account withdrawals in my monthly income?
Thanks for all you do.
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### Author:  [@JoeParks](https://community.clark.com/u/JoeParks)
#### Post date: [May 15, 2024, 1:21am UTC](https://community.clark.com/t/credit-cards-easiest-for-retirees-to-get/5185/4 "2024-05-15T01:21:37Z")
Thank you. That seems right to me, but I try to be careful about the wording when talking to financial institutions.
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### Author:  [@Lavarock](https://community.clark.com/u/Lavarock)
#### Post date: [May 15, 2024, 2:15am UTC](https://community.clark.com/t/credit-cards-easiest-for-retirees-to-get/5185/5 "2024-05-15T02:15:57Z")
I just lied and gave a reasonable amount of income. I have a similar score in the 800’s and multiple cards. Being over 70 I can take as much as I want out of my retirement account (and pay taxes, etc) and am listed as self-employed. They have never tried recently to verify my income even applying for 2 new cards.
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### Author:  [@JoeParks](https://community.clark.com/u/JoeParks)
#### Post date: [May 15, 2024, 2:40am UTC](https://community.clark.com/t/credit-cards-easiest-for-retirees-to-get/5185/6 "2024-05-15T02:40:14Z")
Thank you.
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### Author:  [@JPW050](https://community.clark.com/u/JPW050)
#### Post date: [May 16, 2024, 12:58pm UTC](https://community.clark.com/t/credit-cards-easiest-for-retirees-to-get/5185/7 "2024-05-16T12:58:46Z")
> [@JoeParks](#):
>
> I am retired and have adequate retirement assets
What company holds and manages your retirement assets? Perhaps that company offers a credit card. I know Fidelity offers a 2% cash back credit card.
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### Author:  [@JoeParks](https://community.clark.com/u/JoeParks)
#### Post date: [May 16, 2024, 1:05pm UTC](https://community.clark.com/t/credit-cards-easiest-for-retirees-to-get/5185/8 "2024-05-16T13:05:39Z")
Good idea. Thanks.
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### Author:  [@Kevin\_K](https://community.clark.com/u/Kevin_K)
#### Post date: [May 23, 2024, 5:59am UTC](https://community.clark.com/t/credit-cards-easiest-for-retirees-to-get/5185/9 "2024-05-23T05:59:03Z")
Like everyone else here, I had the same concern a couple years ago. Also worried that being denied a card would hurt my credit. I have had a CapitalOne VISA for decades so when shopping for a MC I applied to CapOne hoping my long and squeaky clean history with them would score me points toward a new MC. My quest was successful. I did, as mentioned here, include my investment “income” hoping I wouldn’t have to verify. Even my plussed-up income was less than impressive so I really think my CapOne history sealed the deal. Remember when banks would send you an unsolicited CC just to get your business?
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### Author:  [@Sally\_TeamClark](https://community.clark.com/u/Sally_TeamClark)
#### Post date: [March 21, 2025, 5:07pm UTC](https://community.clark.com/t/credit-cards-easiest-for-retirees-to-get/5185/10 "2025-03-21T17:07:32Z")