Adding husband to my 0% card as additional holder

YorkshireBoy

TequilaMockingbird wrote: »

Ok... I think what you are all saying is that the 'additional' card holder is not actually issued with a card - they are merely allowed to use your existing card? Is that right?

Yes they can get a card...but there's no point if they're not going to be making purchases on it.

So, as YorkshireBoy says, I should take out a totally new card, in my name?

Always good to get a second opinion.

GemBlueTopaz1984

Hi Tequila,

I have an additional card on my partners account. All purchases whether I make them or him goes on the same statement that he gets as the account holder, they are not seperate you can't tell on the statement who made what purchases and although my card has my name on it both cards have the same long number down the middle. and obviously this is all classed as his debt whether i used the card or he did, I have no legal requirement to pay it, only he does. (although we pay it off in full each month anyway)

TequilaMockingbird

Thanks Zx81.

I think it's becoming clear that I should apply for a new card, in my name, with the purpose of moving his debt there.

However, when they ask for the credit card number I wish the balance to be transferred to, that card is NOT in my name... is this a problem?

[Deleted User]

Not normally. They shouldn't care. But if they ask if it is in your name, be honest (as YB already posted).

YorkshireBoy

TequilaMockingbird wrote: »

However, when they ask for the credit card number I wish the balance to be transferred to, that card is NOT in my name... is this a problem?

See the last paragraph in my first reply (post #2).

TequilaMockingbird

Thanks. If I'm doing it online, they don't ask

TequilaMockingbird

Sorry... one last question... When taking out a new card, can you transfer balances to a current account?

I recently overpaid a credit card, which put my account in to credit. I asked them to transfer that to my current account, which they did - so if they won't directly transfer to a current account, is the best way to do it to overpay a credit card and then have them move it?

dazza.mk

TequilaMockingbird wrote: »

Thanks Zx81.

I think it's becoming clear that I should apply for a new card, in my name, with the purpose of moving his debt there.

However, when they ask for the credit card number I wish the balance to be transferred to, that card is NOT in my name... is this a problem?

In a lot of cases the additional cardholders card will have the same 16 digit card number as the 'primary' cardholders card, so for most purposes you won't be able to distinguish between the cardholders baased on the transaction.

(there are some exceptions to this, but holds true of the majority of cards I've had)

YorkshireBoy

TequilaMockingbird wrote: »

Sorry... one last question... When taking out a new card, can you transfer balances to a current account?

You need a special card, known as a 'super balance transfer' (SBT) card, to transfer balances (either real or ficticious) from a current account overdraft. List here...

http://www.stoozing.com/sbt.php

TequilaMockingbird

Thanks YorkshireBoy. Is this the only way to do it? As none of these (unsurprisingly!) are 0%.

Or can I just overpay the credit card and have them re-imburse when they realise the account is in credit?