Converting Credit Card to joint card?

LW7

Vortigern said:

mossmanian If you're using a credit card for business expenses, you should ask your employer to provide credit cards for yourself and your wife. This should have no effect on your personal credit history.

Unfortunately they're not available at my level, it's written within the company policy that we must pay and claim back. If I'm making a large payment I can use a company card. I mean, for me, its not too much of an issue as I claim it back within a week, so I guess this would help my credit file by using it and paying it in full. 

LW7

Speedbird676 said:

mossmanian said:

Just looking for some pointers about best way to manage moving forwards please.

Your wife needs to manage her life better 
1. After you receive your bonus and clear the balance keep paying in full every month.
2. Make your wife claim her expenses more regularly. It is ludicrous that you're personally paying interest on expenses incurred for somebody else's business out of sheer laziness.

The truth! 
Our bonus will actually leave us around £500 shy of clearing it, which will we can then clear in another two months. I'm adamant this time that we shall not let this creep up again!

Some say it's good having a £13,000 available amount as this shows lenders your trusted, I'm thinking we need to start some struct rules about spending on it before it's cleared etc. 

born_again

LW7 said:

Speedbird676 said:

mossmanian said:

Just looking for some pointers about best way to manage moving forwards please.

Your wife needs to manage her life better 
1. After you receive your bonus and clear the balance keep paying in full every month.
2. Make your wife claim her expenses more regularly. It is ludicrous that you're personally paying interest on expenses incurred for somebody else's business out of sheer laziness.

The truth! 
Our bonus will actually leave us around £500 shy of clearing it, which will we can then clear in another two months. I'm adamant this time that we shall not let this creep up again!

Some say it's good having a £13,000 available amount as this shows lenders your trusted, I'm thinking we need to start some struct rules about spending on it before it's cleared etc. 

Get a separate card for expenses and keep it totally separate from your personal spending.

RG2015

born_again said:

RG2015 said:

RG2015 said:

born_again said:

Better to get a card in her own name.
Some card provider will not cover S75 on additional card holders.

This concerns me. Do you have specific information on this and which card providers apply this restriction? My wife has no personal income so cannot get a card in her own name.

I have found an answer of sorts on the link below. So if my wife buys a washing machine for our house we both benefit hence would have S75 cover.

https://www.choose.co.uk/guide/section-75-additional-credit-cardholders.html

No idea who might not. Just something we have heard. We do cover Additional cardholders.

"We do cover Additional Cardholders".

Who exactly is we?

born_again

RG2015 said:

born_again said:

RG2015 said:

RG2015 said:

born_again said:

Better to get a card in her own name.
Some card provider will not cover S75 on additional card holders.

This concerns me. Do you have specific information on this and which card providers apply this restriction? My wife has no personal income so cannot get a card in her own name.

I have found an answer of sorts on the link below. So if my wife buys a washing machine for our house we both benefit hence would have S75 cover.

https://www.choose.co.uk/guide/section-75-additional-credit-cardholders.html

No idea who might not. Just something we have heard. We do cover Additional cardholders.

"We do cover Additional Cardholders".

Who exactly is we?

Sorry can't say. 
Company policy is that we are not supposed to post online especially if anything links you back.