Credit card in dads name.

Banger696

My dad died today and he and I share a credit card. The credit card needs paying off soon but I dont have access to my mum and dads joint account, my mum isnt computer literate and my dad used to take care of the card and I would transfer what I owed to his joint account. But now he is gone I need to square the credit card at the end of this month. Credit card is MBNA and my dad would pay by direct transfer from his Halifax reward account on the allocated date. How to proceed?

Cameron1590_2

Im sorry to hear of your loss.

The first thing is to contact MBNA explain this to them and explain your problem, hopefully they will be understanding and give you a grace period to sort out the payment.

Your mother should visit a Halifax branch and they will assist you with making the payment.

Thanks

Cam

jonesMUFCforever

Did he get paper statements?
If so pay using that when it arrives.
If not go on the MBNA website and it shows ways to pay.

There is no such thing as a shared credit card - one of you is the principal cardholder if it was your dad then you should not make any further transactions on the card.

My condolences.

pqrdef

You can't share a credit card. It's not a joint account. Your dad signed the credit agreement, so now there's no agreement in force.

Don't use the card, you can't spend on a dead person's credit.

The account belongs to the estate and should be frozen. Dead people aren't expected to pay interest or charges or pay bills on time. Your mum can settle up in full in due course, assuming there are enough assets.

Banger696

I have access to the account from my card, should I inform MBNA of the situation through their message system. Please excuse my novice question as my dad has always dealt with this stuff before.

opinions4u

pqrdef wrote: »

Dead people aren't expected to pay interest or charges or pay bills on time. Your mum can settle up in full in due course, assuming there are enough assets.

Ive only handled three estates.

I'm yet to find a credit card company or loan company who stop charging the estate interest on death.

[Deleted User]

If I were you, I would get in touch with MBNA, let them know what's happened, and ask them where to go from there. And indeed, stop using the card.

But as other people have said, assuming he was the primary cardholder, you're not personally liable for a penny of the debt. The estate may well be, but if the estate doesn't have enough money to cover the debt, they can't ask you for it. They might STRONGLY SUGGEST that you pay it, but they can't legally get you to pay it, because it's not your debt (even though you had a secondary card).

HTH.

Linda32

opinions4u wrote: »

Ive only handled three estates.

I'm yet to find a credit card company or loan company who stop charging the estate interest on death.

HMRC still send letters after the event as well :mad:

To the OP, so sorry for your lose. If you haven't had dealing with a credit card before, then I understand your questions. As people have said there isn't any such thing as a shared account. The card was in your Dads name and you were a guest on the card. Same as me, myself and OH) have a card but the card is in my name with my OH being a guest.

The best thing to do is ring up the card company and explain you are a guest on the card. They will immediately say they can't talk to you. But you can then explain you need to notify them of the death of the account holder. There will be systems in place, I assure you, it won't be the first time it has happened.

You can't spend on the card any longer, but also what is owed today isn't your debt either, you were never responsible for the balance owed.

HTH