Joint Credit Cards?

Janie4Now

thenudeone wrote: »

Wrong Wrong Wrong.

Only the account holder is liable for the debt.The credit card company can and will only chase them for the debt.

There is no such thing as a joint credit card in the UK.

The account holder might be able to get a court to force an additional cardholder to pay up for their spending in some circumstances.
In general, courts would need some convincing that a contractual relationship existed. For example, if two people who were not in a relationship agreed to split the cost of buying and running a house or a car, the courts might agree that the additional cardholder had to pay the main cardholder their share of the spend. In the absence of such an agreement (written or otherwise) the courts will assume that by allowing an additional cardholder access to a credit account, the main cardholder was making a gift.

But that's a matter between the two parties and nothing to do with the card company.

Did you read the rest of the thread?

jennifernil

Janie4Now wrote: »

Scottishblondie - you are, of course, correct. I am still traumatised from being chased by the bank for payment of the joint account that I had already paid my half of. However, if they DO get a joint credit card, then they would indeed be jointly liable.

But there is no such thing as a joint credit card here, so the situation you describe cannot arise, as has already been correctly stated several times.

Janie4Now

Unless, of course, you get the Amex where you CAN agree to be jointly liable.

Sigh.

thenudeone

Janie4Now wrote: »

Did you read the rest of the thread?

Err. Yes.

Why do you ask?

Janie4Now

thenudeone wrote: »

Err. Yes.

Why do you ask?

Because if so you will have read what I said after the post you quoted AND the fact that Amex WILL issue joint credit cards on some accounts and so your post was redundant.