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Additional card holder verification texts
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kjwr22
Posts: 3 Newbie

in Credit cards
Hi I am additional holder to a credit card on my partner's account. It is a joint credit card basically as we both use it and pay off the balance. However I have started having my transactions denied as the verification text goes to my partner's phone and he isn't always around for me to alert him to the fact. This seems crazy! I have card that I can't use without him verifying my purchases? (which he has no problem with as we use the card for joint purchases, holiday etc) Welcome to the dark ages eh?! He has phoned the company to ask for my phone number to be added but they say this is not possible because of fraud risks. Which is annoying for him but especially for me. Is this the same with all credit card companies? I am wondering if I need to switch. The alternative is to get my own credit card but this is just a pain as we have joint banking.
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That is frustrating! FYI It won't be a joint account as such as there's no such thing on credit cards. You'll just be an additional card holder and repayments will be at the responsibility of your partner. If the credit card company says there is nothing they can do, which is odd, then as you suggested you might have to get your own card, either with the same bank or elsewhere.0
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Its not the same for all companies... some allow secondary cardholders to add their number to their card and others dont.
I know AmEx do allow a different number... cannot remember with Barclays and Virgin as the other two cards we use.0 -
As above, your partner is the account holder, there's no such thing as a joint credit card. Which card is it? In my experience, most cards don't require a verification code for every purchase. If you do need a code to authorise a purchase, could you not just ask him to send it over to you? Assuming that it's only occasionally needed of course - I can see that it would be a pain if it's needed for every transaction.
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Ebe_Scrooge said:
If you do need a code to authorise a purchase, could you not just ask him to send it over to you? Assuming that it's only occasionally needed of course - I can see that it would be a pain if it's needed for every transaction.
Mrs & I share a computer at home and so she'll occasionally buy something from Amazon not noticing its logged into my account. Not an issue at all because either way the same money pays for it but it means I get the text message to verify the payment. Its fine if we are together etc but if I am in work I cannot always access my phone to forward it within the 3 minute window or whatever it is.
For us not a major problem, cancel the order and switch accounts (though oddly finding the same item again isnt always as straightforward as it should be) and reorder using her account. For the OP it'd be more difficult given its their own card thats throwing the notifications to the primary cardholder's phone0 -
It's a Lloyds Master Card. This week we are booking a holiday in Canada, I found the hotel, made the payment but husband was in a meeting with phone on silent so didn't verify the purchase so it was declined (twice!) I didn't realise they had sent a verification code to him so was going round in circles and ended up losing the reservation. Seems crazy that I have been issued a card with his permission but can't spend on it. He is more than happy for me to get the verification texts and originally that seemed possible but now they say it isn't so was thinking we need to switch cards if other card providers allow this0
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I can understand your frustration. And yes, it's more common for an online transaction than it is for, say, just buying some food from the supermarket.But it's done for a very valid reason - end of the day, the account belongs to your partner, he's responsible for running the account, paying it off every month, etc. So it kind of makes sense that he needs to authorise the transactions (even though obviously, you're making the purchase with his implicit permission).Depends how much of a hassle it is, and how often it happens. If it's a fairly regular thing them it'd be worth changing to a card that allows an additional cardholder's phone number to be registered in addition to the account holder's.0
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All the cards we have (M&S, Barclays, MBNA, Santander) seem to have the ability to send a text to the appropriate card holder so I'm not sure what Lloyds problem is.
fyi - if you are flying into Toronto and will have a hotel downtown DON'T take a taxi. Look for the ground transportation desk where there will be options of a mini bus etc some of which go directly to some of the larger hotels. Some may be free. Others will have a charge but it will be much less than 2 of you getting a taxi to drive about 20 miles.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
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Ebe_Scrooge said:But it's done for a very valid reason - end of the day, the account belongs to your partner, he's responsible for running the account, paying it off every month, etc. So it kind of makes sense that he needs to authorise the transactions (even though obviously, you're making the purchase with his implicit permission).1
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Brie said:All the cards we have (M&S, Barclays, MBNA, Santander) seem to have the ability to send a text to the appropriate card holder so I'm not sure what Lloyds problem is.
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WillPS said:
Can confirm on a Tesco Bank credit card the 3D secure prompt initally asks which cardholder before determining whether to send a text (additional cardholder) or app prompt (main cardholder).
That is what John Lewis were doing.
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