EXHIBIT 99.3

                           CERTIFICATION PURSUANT TO
                            18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

     In connection with the Annual Report of Household International, Inc. (the
"Company") on Form 10-K for the year ending December 31, 2002 as filed with the
Securities and Exchange Commission on the date hereof (the "Report") I, David A.
Schoenholz, President and Chief Operating Officer (as Principal Financial
Officer) of the Company, certify pursuant to 18 U.S.C. Section 1350, as adopted
pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

          (i) The Report fully complies with the requirements of Section 13(a)
     or 15(d) of the Securities Exchange Act of 1934; and

          (ii) The information contained in the Report fairly presents, in all
     material respects, the financial condition and results of operations of the
     Company.

                                                 /s/ D. A. SCHOENHOLZ
                                          --------------------------------------
                                                   David A. Schoenholz
                                          President and Chief Operating Officer
                                             (As principal financial officer)

March 24, 2003