Additional Card Holder

henrygregory

Hello,
My girlfriend who is a student has a few supplementary cards from my credit card accounts.

She reluctantly uses them as she can't get access to see what has been spent on her supplementary card, all apart from AMEX who allow her her own online account which is perfect, however most of the stores she has gone to use the card in, do not accept amex.

Can anyone suggest any credit card accounts which allow the supplementary card holder to have their own online account for their card. It would still leave me in charge with my main account, but would allow her access to see what she has spent etc.

Thanks:money:

[Deleted User]

How much detail does she need? If she's the only user, and just a balance would suffice, MBNA and Virgin cards let you register a mobile number, then you can text them for a balance.

Failing that, could you not just give her your logins? (Yes, I know it's against the rules). Or if not comfortable with that, log in once a week for her and print out the latest usage?

henrygregory

billbennett wrote: »

How much detail does she need? If she's the only user, and just a balance would suffice, MBNA and Virgin cards let you register a mobile number, then you can text them for a balance.

Failing that, could you not just give her your logins? (Yes, I know it's against the rules). Or if not comfortable with that, log in once a week for her and print out the latest usage?

Hi, thanks for your message. She needs more info. Girls these days when they go shopping tend to buy 50 things more than I would. She is very organised for her age, and regularly logs into her student bank account to check payments etc. I just feel she would benefit greatly from the services a credit card would provide over a normal bank card.

I had thought about giving her my details, but I can't even remember mine and have to write them on paper, I doubt she would remember them all! But it is a backup idea I guess. The american express set up is literally perfect, it is just the blasted cards are not accepted in quite a few places, very annoyingly!

dalesrider

henrygregory wrote: »

I just feel she would benefit greatly from the services a credit card would provide over a normal bank card.
!

Which are what ?

Can she not get her own credit card?

I do not think you will find a credit card provider that does what you ask. As the only person who should view the account is the main card holder....

henrygregory

dalesrider wrote: »

Which are what ?

Can she not get her own credit card?

I do not think you will find a credit card provider that does what you ask. As the only person who should view the account is the main card holder....

THe main benefits are the consumer protection tools such as the ability to issue a chargeback if you are unhappy with a transaction.
She refuses to stop using certain retailers which in my opinion provide unsatisfactory goods. Within 12 months, the products are broken and useless and often the retailer will not exchange. At least with a credit card, if there are any problems, the can write to the cc company and get a chargeback underway.

Secondly, as with the AMEX card, you get complimentary insurance on your purchase, so if what she buys gets stolen or lost, she can claim against the credit card company to get it replaced.

As far as Iam aware, I don't think students can get credit cards can they?

dalesrider

henrygregory wrote: »

THe main benefits are the consumer protection tools such as the ability to issue a chargeback if you are unhappy with a transaction.
She refuses to stop using certain retailers which in my opinion provide unsatisfactory goods. Within 12 months, the products are broken and useless and often the retailer will not exchange. At least with a credit card, if there are any problems, the can write to the cc company and get a chargeback underway.

So you are not aware that a visa debit card has the same chargeback rights as a credit card then.
Even a credit card does not have a chargeback right for goods becoming faulty, they have to be faulty when recieved. Or if you are just unhappy with the transaction.

True there is S75 cover on a credit card, but that is for purchases of over £100 and under £30K. But be carefull as some credit card provider will not cover a additional card holder under S75.

henrygregory wrote: »

As far as Iam aware, I don't think students can get credit cards can they?

Top 10 student CC's

safestored4

I really don't understand your problem. I have two credit cards on which my wife is the additional card holder. She puts all her spending on one, I put my spending on the other. At the end of the month we pay everything off and balance the books.

w211

henrygregory wrote: »

She reluctantly uses them as she can't get access to see what has been spent on her supplementary card,

Every time she uses the card, she could note down, the date, goods/services bought, amount spent on a spreadsheet or a piece of paper, then she wouldn't need to go online to see how much has been spent.

It's good practice, as when the statement comes, if there are any fraudulent transactions or you see a transaction you don't recognise, you will see this straight away.