Being placed on someone else's credit card ?

MichaelCR

I was looking at establishing and rebuilding my credit Report, However i simply cannot get accepted for any credit card at the moment, Would i be able to be put on my dad's Barclaycard gold (With his permission of course) ? I heard that you can be issued a card with only a light credit check being done, and payments being reported to both peoples credit reports, Is this true ?

Thanks !

YorkshireBoy

MichaelCR wrote: »

I heard that...payments being reported to both peoples credit reports, Is this true ?

No it isn't true.

The primary cardholder has sole responsibility for any debt placed on the card, so the account management is only reported on their credit file.

jimjames

You can certainly be on someone elses card if you need a card to make purchases etc but they would have complete responsibility for any money you spend and it would not affect your rating.