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Can I increase my credit score being a second card holder?

Hi,

I'd like to increase my credit score but I don't have own credit card, I am just the second card holder.

Is this enough to increase my credit score or do I need to get my own card?

thanks

Comments

  • w211
    w211 Posts: 700 Forumite
    Eighth Anniversary 500 Posts Combo Breaker
    Being a second card holder, I don't think increases your credit score, since the original card holder is still responsible for the debt the card holders applies to their account.

    As a second card holder all the bank does is give you a credit card with your name on it, don't think they credit score in order to be a second card holder.
  • piglet39
    piglet39 Posts: 301 Forumite
    Hi shakecat

    As a second cardholder the account is not in your name and therefore does not form part of your credit history. No entry will appear for it on your credit file.

    Piglet
    LBM Nov 07
    Challenges: A Payment A Day Challenge 2012 Joined 08.03.12
    PADding Total:March £57.65 April £10.10
    DFWNerd - 1041-Proud to be dealing with my debts!
    Pesky CC March 2012 £2916.73:eek:
    Debt@March 2012 (inc OD) £5615 DFD self imposed target Feb 2014
  • Hi w211 & piglet

    thank you for your help.
    I understood.

    thanks
This discussion has been closed.
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