Credit Card - can my partner use?

hoggl1

Hi there
I have a really good credit rating with a mortgage and several years history of on-time repayments. I currently don’t have a credit card but I would be interested in obtaining one which I don’t believe will be a problem with my credit score. My partner unfortunately does not have such a good score and is not eligible for the CC’s designed to help build it up. He is currently doing what he can to build it up month by month.

My query is..... a) If I get a CC, can I add him as an authorised user even though we do not live together? And b) if the answer to the above is probably no, can I just give him my card to use? He is due to go away for a weekend within the UK shortly and I would like to give him the CC as a buffer while he’s away, but will he encounter problems as it is my name on the card?

I am aware of the precautions to take here as obviously if anything goes wrong, my file will be the one affected.

Thanks for the advice.

18cc

mostly they require him to live at the same address

you of course you can give yours to him to use but it is against the t&c of the card and they won't like it if they find out.

Also there is a risk of him being queried as to why he has a card in a female name, particularly if he hands it to an assistant. For contactless etc there is probably low risk of anyone spotting.

Just be aware the card issuer prohibits you doing this. It wont affect yoir file provided you keep up repayments etc

[Deleted User]

Neither of your scores are of any concern. It's his credit history he needs to work on, but being an additional cardholder won't achieve that.

What do his credit files show. Check all three. Unless he has some dreadful history, he should be able to get something.

Don't lend him your own card. It's not worth the fraud risk.

18cc

It's not fraud or in any way illegal to use someone else's credit card provided of course you have their permission

[Deleted User]

18cc wrote: »

It's not fraud or in any way illegal to use someone else's credit card provided of course you have their permission

How will the boyfriend use the card without the PIN which is against the T&C to divulge to anyone else? The OP risks a CIFAS marker on her credit file if someone else is caught using her card.

[Deleted User]

It's against the terms of the card.

Plus a retailer can deny the transaction if they see the card says "MRS XXXX" and the person using it is clearly a "MR", despite what society now dictates.

CRA scores aren't used in lending situations so stop looking at them like they are.

18cc

Yes nobody is arguing and as I said in my first post it is definitely against the card terms and conditions

however as far as cifas markers fraud or anything else illegal then the answer is that it's not illegal it's not fraud and you won't get a cifas marker. the worst that can happen is that your card issuer get shirty and closes your card

adindas

hoggl1 wrote: »

Hi there
I have a really good credit rating with a mortgage and several years history of on-time repayments. I currently don’t have a credit card but I would be interested in obtaining one which I don’t believe will be a problem with my credit score. My partner unfortunately does not have such a good score and is not eligible for the CC’s designed to help build it up. He is currently doing what he can to build it up month by month.

My query is..... a) If I get a CC, can I add him as an authorised user even though we do not live together? And b) if the answer to the above is probably no, can I just give him my card to use? He is due to go away for a weekend within the UK shortly and I would like to give him the CC as a buffer while he’s away, but will he encounter problems as it is my name on the card?

I am aware of the precautions to take here as obviously if anything goes wrong, my file will be the one affected.

Thanks for the advice.

Did you read this MSE often ? It seems that you are quite naive and very inexperience.

If you start searching this MSE, you will find that even a son, daughter, wife, husband have a family spat due to letting other family members using their credit facility. And at the end what happen they start to find a away blaming other third parties, the bank for allow them to use that facility.

You are just talking about your file will be affected this is miniclues. What happen if the person use it to withdraw cash, gamble, etc and then will not be able to pay back. The rest of your life will be a nightmare after you get to know that you will be chased by a debt collector.

The general advice here on MSE. Do not do that.

18cc

Totally agree with that - presumably the other party has a poor credit record for a reason, and you never know what they might go out and spend on the card in which case of course you will be totally liable

hoggl1

adindas wrote: »

Did you read this MSE often ? It seems that you are quite naive and very inexperience.

If you start searching this MSE, you will find that even a son, daughter, wife, husband have a family spat due to letting other family members using their credit facility. And at the end what happen they start to find a away blaming other third parties, the bank for allow them to use that facility.

You are just talking about your file will be affected this is miniclues. What happen if the person use it to withdraw cash, gamble, etc and then will not be able to pay back. The rest of your life will be a nightmare after you get to know that you will be chased by a debt collector.

The general advice here on MSE. Do not do that.

If you're asking do I read MSE everyday - no. Do I read it if I need any advice relating to whichever circumstance I find myself in? Yes. In this occasion, I couldn't find a definitive answer hence forum post...

Can we please remember that this "person" is my life partner - not a random. Therefore trust isn't the issue here. It's the legalities.

Thanks anyway.

hoggl1

18cc wrote: »

Totally agree with that - presumably the other party has a poor credit record for a reason, and you never know what they might go out and spend on the card in which case of course you will be totally liable

Again, this person is my partner. Not someone I've known two minutes and therefore trust is not the issue here.

Thanks anyway.