Additional cardholder for credit card pros, advice please

ssdkck

Hi, if my partner was to add me as a additional card holder would I be able to use his credit card account  to do balance and money transfers 

PaulW922

ssdkck said:

Hi, if my partner was to add me as a additional card holder would I be able to use his credit card account  to do balance and money transfers 

I supposed it depends on the card but I would say it is unlikely. However many cards also offer good deals on money transfers to your bank account. Could you make use of one of those?

cymruchris

Usually additional cardholders are those that can make purchases using the card, but not discuss the detail of the account with the bank. I think it's unlikely you will be able to instigate a transfer - only they will be able to do that (particularly as it is them that are liable to the debt, and not you - additional cardholder doesn't have any liability to the debt). Can you not ask your partner to arrange the transfers?

ssdkck

Thank you, I didn't know that some providers will let you transfer a balance from someone else's card. I thought it always had to be in your name so I thought being an additional card holder would give you that option.

MallyGirl

some do and some don't. It is usually easier if it is all done online as they tend to just ask for the long card number to transfer from.
Tesco is one that definitely won't let you BT from a card in someone else's name.

born_again

MallyGirl said:

some do and some don't. It is usually easier if it is all done online as they tend to just ask for the long card number to transfer from.
Tesco is one that definitely won't let you BT from a card in someone else's name.

But to do a transfer online would require to login to the account. Assuming that the OP wants to transfer a balance to the account they are the additional account on. Something a additional card holder should not have access too. As a credit card is a sole account only. 
To do it the other way would require the main account holder card.

MallyGirl

It would have to be that the main account holder was prepared to take on the other person's debt by transferring the balance. Secondary card holder can't do that. 

ssdkck

So a secondary card holder can only use the card for purchases and the main card holder would be able to do a transfer for that person.  Can the main  card holder do a transfer for a spouse even if the spouse is not a secondary card holder. 

born_again

ssdkck said:

So a secondary card holder can only use the card for purchases and the main card holder would be able to do a transfer for that person.  Can the main  card holder do a transfer for a spouse even if the spouse is not a secondary card holder. 

Some companies will, some won't.

Personally even if it was my wife. I would not. You are taking on a debt that is not yours... Why would you do that? Even in marraige, Due to how many end in divorce and one party left saddled with a debt that is not theirs.