Authorised user access
in Credit cards
14 replies 391 views
in Credit cards
I’ve just opened a Barclaycard Avios ccard. I e added my wife as an authorised user with her own card. Am I correct in understanding that she can’t add the card to her own app or see any transactions undertaken?
Is there anyway to allow this (as I see Barclays Bank allow you to add authorised users who can see transactions in the account).
All we want is to see our spending as a whole on the card.
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You will be able to see ALL spending on the account as you are the account holder.
Barclays list a number of possibilities on their website https://www.barclays.co.uk/ways-to-bank/authorised-users/manage-account/ which does include allowing secondary card holders (or account supervisors) to see see the account and all transactions however its unclear if this only applies to current accounts or includes credit cards.
It's quite the reverse for chasing it. Having two people gives them an extra option of who to chase, as loans have 'joint and several' liability.
If your friend / spouse can't pay, then you are responsible for the full amount, not just half.
As opposed to a joint bank account where both parties are liable for the debt.
You havent looked at the webpage have you @born_again?
Barclays allow you to add any person you like to your current account access to be able to see, and to some degree control, the account without it being a joint account with that person. If there is an overdraft then you remain solely liable for it even if you've given the other person permission to view it or make payments. You can similarly issue a secondary cardholder to it without it being a joint account and again can given them access or not to view the account online.
There is no reason why the same cannot apply to credit cards, and indeed AmEx do allow secondary cardholders to log in (though only see their own spend/balance), given both would result in 2 people accessing but only 1 person liable