credit card information

linton73

If my husband applies for a credit card will it be looked on as a joint credit card with me as his wife?

im already with mbna and he'd like the virgin credit card which is from the same company.

he hasn't had a credit card before.

never-in-doubt

linton73 wrote: »

If my husband applies for a credit card will it be looked on as a joint credit card with me as his wife?

im already with mbna and he'd like the virgin credit card which is from the same company.

he hasn't had a credit card before.

nope, only if he added you as an additional cardholder (financially linked).

credit cards do not come as joint, only sole.

linton73

what do people think would be a good credit card for him to start with ?

i have several credit cards so this won't have any impact on him applying ?

thanks for the quick reply

Innocent_Guy

linton73 wrote: »

what do people think would be a good credit card for him to start with ?

i have several credit cards so this won't have any impact on him applying ?

thanks for the quick reply

Go to his own bank first.

Has he had any credit before? He may need to go sub prime

Innocent_Guy

never-in-doubt wrote: »

nope, only if he added you as an additional cardholder (financially linked).

credit cards do not come as joint, only sole.

Are you sure having a additional card holder links people? I know last time when I checked my OH credit report I wasn;t shown as a financal link and we have at least 5 cards what I am additional account / card holder

Innocent_Guy

Innocent_Guy wrote: »

Are you sure having a additional card holder links people? I know last time when I checked my OH credit report I wasn;t shown as a financal link and we have at least 5 cards what I am additional account / card holder

BTW capital one was the only company to credit check me for my additional card.

clio

He wont' get a good card like the virgin one, mainly due too him not having any credit history. So he is limited too Vanquis-Cap1..

Innocent_Guy

clio wrote: »

He wont' get a good card like the virgin one, mainly due too him not having any credit history. So he is limited too Vanquis-Cap1..

As said above his bank may be more leanient - Who does he bank with?

never-in-doubt

Innocent_Guy wrote: »

Are you sure having a additional card holder links people? I know last time when I checked my OH credit report I wasn;t shown as a financal link and we have at least 5 cards what I am additional account / card holder

yes mate, thats what all the lenders/cra's say but whether they update this is another matter. You do have to warn people mate, remember my surprise when you told me you weren't linked but then I did say to you that to prove it you need the mrs to get her cf - it would show only on the main account holder cf as the main account holder is liable for the debt, not the addition.

Hope that makes it crystal for you now mate! Unless you see the g/f report you'll never know for sure but I bet you'll be shocked, also bet thats a lot of why she getting refused credit.... cos they will link her to you, not necessarily you to her unless you financially link her directly at your end!

Phew! :T

Innocent_Guy

never-in-doubt wrote: »

yes mate, thats what all the lenders/cra's say but whether they update this is another matter. You do have to warn people mate, remember my surprise when you told me you weren't linked but then I did say to you that to prove it you need the mrs to get her cf - it would show only on the main account holder cf as the main account holder is liable for the debt, not the addition.

Hope that makes it crystal for you now mate! Unless you see the g/f report you'll never know for sure but I bet you'll be shocked, also bet thats a lot of why she getting refused credit.... cos they will link her to you, not necessarily you to her unless you financially link her directly at your end!

Phew! :T

Last time I checked her CF we were NOT linked and I had additional cards. She will be getting a copy of her CF soon anyway

linton73

Oh forgot to mention

he did have a hsbc credit card about 3-4 yrs ago we were cohersed into applying while out one day lol long story

it arrived and we duly ripped it up and closed the account will that count as credit history ?

He wants to apply for afew and then choose the best one and cancel the rest
his credit history short term isn't a problem how many searches can be done without
it starting to have an affect ?