📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Credit Card Protection For Secondary User

bfgun
bfgun Posts: 238 Forumite
Part of the Furniture 100 Posts Name Dropper Combo Breaker
I am a secondary user on an account in my wife's name.

I am looking to buy a holiday as a surprise but am concerned whether there will be any protection should the travel agent go bust given that I am not the primary card holder.

I seem to recall that in such cases there is protection if the purchase is deemed to benefit the primary card holder which in this case it would.

Can anybody confirm this please?

Thanks

Comments

  • dalesrider
    dalesrider Posts: 3,447 Forumite
    bfgun wrote: »
    I am a secondary user on an account in my wife's name.

    I am looking to buy a holiday as a surprise but am concerned whether there will be any protection should the travel agent go bust given that I am not the primary card holder.

    I seem to recall that in such cases there is protection if the purchase is deemed to benefit the primary card holder which in this case it would.

    Can anybody confirm this please?

    Thanks

    Well there would certainly be chargeback options. As far as Visa goes. Makes no diffrence who makes the purchase.
    Never ASSUME anything its makes a
    >>> A55 of U & ME <<<
  • guesswho2000
    guesswho2000 Posts: 1,703 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Uniform Washer
    If something is purchased by an additional cardholder, it must provide a significant benefit for the primary cardholder; a holiday to which the primary cardholder is a party comes under that definition...

    See this - Which website on the exact topic.
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.4K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.