Additional card holder verification texts
in Credit cards
13 replies 351 views
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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I know AmEx do allow a different number... cannot remember with Barclays and Virgin as the other two cards we use.
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 phone
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That is what John Lewis were doing.