Credit Cards - adding 15 year old daughter on my card

Sammy_Elizabeth

Hi does anyone know which credit cards allow minors (under 18) to be added on to existing cards as authorised users ?  I have American Express with cards each for both me and my partner and wanted to add my 15 year old daughter on but they won't as they have to be 18!

Malkytheheed

You can't add a minor to any credit card.

pramsay13

Why would you give a 15 year old your credit card?

jonesMUFCforever

We can close this thread now - it will not happen.

sleepyjones

You can get her a pre-paid card and just load it with £50 a month (or whatever),  good way to get her into the habbit of being responsible with money.
Take a look here for options : https://www.moneysavingexpert.com/banking/cards-for-under-18s/

sourcrates

Sammy_Elizabeth said:

Hi does anyone know which credit cards allow minors (under 18) to be added on to existing cards as authorised users ?  I have American Express with cards each for both me and my partner and wanted to add my 15 year old daughter on but they won't as they have to be 18!

In America you can do this with certain credit cards, in the UK you cannot.

And thats probebly a good thing, as giving a 15 year old girl free rain with her dads credit card, is like giving an alcoholic the keys to the brewery, it wouldn`t end well.

NoodleDoodleMan

Nationwide have a current account with debit card for minors that would be a suitable alternative.

https://www.nationwide.co.uk/products/current-accounts/flexone/whats-flexone

phillw

I don't know if this is still true, however this question was asked 14 years ago and this came up...
https://forums.moneysavingexpert.com/discussion/220608/additional-cardholder-under-18
"As far as I am aware the only company that will allow an under 18 to be a second cardholder on an account is Capital One."

"Capital One don't ask for the additional cardholders dob, all they would need is a letter stating the full title and name of the cardholder to be added, with your signature on it, but obviously you would be liable for all of the spending that he does."

Things change though, because.....
"Dont know if they still do but the Amex green card used to allow under 18 secondary card holders.... though with the true amex you always have the problem that it isnt accepted in as many places as Visa etc"

sourcrates

phillw said:

I don't know if this is still true, however this question was asked 14 years ago and this came up...
https://forums.moneysavingexpert.com/discussion/220608/additional-cardholder-under-18
"As far as I am aware the only company that will allow an under 18 to be a second cardholder on an account is Capital One."

"Capital One don't ask for the additional cardholders DOB"

I think you`ll find they do -

You can add a maximum of three extra cardholders to your account. To add a cardholder, sign in to your online account and send us a secure message including the following information:

• Title (Mr/Mrs/Miss/Ms)
• Full name
• Full address including postcode
• Relationship to primary cardholder
• Date of birth
• Confirmation that your extra cardholder consents to having their details checked by fraud prevention agencies.

funkycredit

sourcrates said:

Sammy_Elizabeth said:

Hi does anyone know which credit cards allow minors (under 18) to be added on to existing cards as authorised users ?  I have American Express with cards each for both me and my partner and wanted to add my 15 year old daughter on but they won't as they have to be 18!

In America you can do this with certain credit cards, in the UK you cannot.

And thats probebly a good thing, as giving a 15 year old girl free rain with her dads credit card, is like giving an alcoholic the keys to the brewery, it wouldn`t end well.

But yet 15 year olds have babies & can be carers etc. Not all 15 year olds are irresponsible. I don't see any problem with it, based on the fact if they did go nuts then the parent whose card it is would be liable and should / could deal with any usage problems then. Just from a more liberal parents POV

funkycredit

RobM99 said:

"But yet 15 year olds have babies"
Indeed so, but the paedophile involved would be more of concern.

Disgraceful. I can't believe you just wrote that!!! It's not impossible for boys 13-17 to father children; and that wouldn't be anything like your disgusting comment.