Credit Card - can my partner use?

[Deleted User]

hoggl1 wrote: »

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

Thanks anyway.

That doesn't mean it still won't happen.

Again there are plenty of cases on here where it has.

adindas

hoggl1 wrote: »

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 wrote: »

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

Thanks anyway.

You have got the definitive answer from few posts above. It is against the T&C to let another person to use your credit card. So it is up to you to let another person use it and when your partner got caught even with sensible use you end up with CIVAS.

You could add him as an additional cardholder but both of you will need to be at the same address.

The fact that he could not get credit card on his own name tell a lot of stories of how he managed his own finance, loans, credit, etc in the past that you might not be fully aware. There is also some doubt whether you are actually helping him in this situation. It might be the same thing with offering alcohol to an alcoholic

You are talking about life partner. But If you do search on this forum, there are tons of stories, sometimes on daily basis which talk about legally married couples husbands and wives for a few decades, sons / daughters end up with family dispute, especially when the debt collector start to get involved.

stingey

You need to sum up what may happen here:

- The card issuer owns the card not you. If this is flagged up with a retailer as someone who is using the card who may not be you, they may stop the card completely and flag it up as a fraud case. The card issuer may inform the retailer to retain the card AND return it to them. You will have broken your T&Cs and YOU (not your partner) may struggle to get credit again and you're left without a credit card.

Is it worth giving your partner your card for a weekend. If they require money why not just give them the cash?

born_again

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

As said against the T/C.

Also what would the OP do if they did give the card and it was used it to spend a lot of money?

Can't claim fraud. So ends up with a big debt.

Or lost the card and it was used?

Could well be caught out when reporting.

enthusiasticsaver

I am another who will say don't do it. Your partner for whatever has a history of managing money poorly and regardless of how long you have known him has shown financial mismanagement. No guarantees he will not rack up debt on your card and you will be the one who will need to clear it. It has been seen many many times on here.

It is against the terms and conditions of the card to give your card and pin number to someone else. Also should he be asked to provide id if someone is suspicious he could be suspected of fraud.

Give him cash as a buffer if you want to but I would not give him your card or get an additional card for him.

stehouk

My wife uses my cards all the time, has done for years, i use hers have done for years, depends if you trust the person you give it to.never been a problem for us.
I'm not recommending you do it i'm just pointing out that people do it.

TheShape

If you want a credit card and would like your partner to be an additional cardholder, Nationwide allow an additional cardholder who is not resident at the same address.

I wasn't sure they would allow it, in fact when I phoned them the person I talked to said it wasn't possible. The person I talked to did sound unsure though, so I applied, declaring her address (different to mine) and my partner is now an additional cardholder

Socajam

I would not under any circumstances put him on your card. If you do, just remember that any debt that he runs up is your responsibility.
Trust me I know, got caught with 4095 of debt that happened because I put someone on my card.
Still waiting for payment.
It does not matter how much assurance they give you, don't do it - boyfriend, husband or what.

Don80

Hi

I had this, my partner had limited cash due to changing jobs and a gap in getting paid. I gave him one of my credit cards so he could pay his train fare to work, and for £40-50 of shopping. I expected a total spend of about £100. On trust, I didn't ask for the card back (it wasn't the first thing I thought of, I trusted him and had other things on my mind). When I logged in two months later, he'd run up £1,500. Guess who ended up having to pay most of it back.

Before I gave him the card I would have argued until I was blue in the face that I trusted him, he wasn't a random, I'd known him for years etc. Now, I would NEVER give my card to anyone.

If he's going away for a weekend, I would assume he's taken care of transport and accommodation and what he expects as spending money? If he runs out and needs an extra £50, I'd suggest you transfer it from your bank account to his. You can then use your credit card if you need to spend that at the shops.