Most credit cards ask for one thing before they approve your application: evidence that you are earning at least $30,000 a year. Not proof that you have money, but proof that a regular salary lands in your account every month. Those are two different things, and the gap catches out the people who arguably deserve a good card the most. Think of an early retiree living comfortably on dividends and passive income, with no monthly salary to show. Or a freelancer, a gig worker, a stay-home parent, a student. Plenty of cashflow but none of it fulfilling the criteria of a predictable, monthly paycheck. The Mari Credit Card is one of the rare few that cater to these under-served demographics, and it makes an ideal first credit card while doing so. If you cannot clear the $30,000 income bar, you can still be assessed for the card with a basic $500 credit limit. No annual fee, no foreign currency fee, 1.5%...