Authorised user access

alleycat`

The other person hasn't signed the credit agreement and are not liable for any of the credit. It's no more complicated than that.

As to legislation, I'd assume it's in the consumer credit act (everyone only really talks about section 75).

DullGreyGuy

alleycat` said:

The other person hasn't signed the credit agreement and are not liable for any of the credit. It's no more complicated than that.

As to legislation, I'd assume it's in the consumer credit act (everyone only really talks about section 75).

That doesnt answer the question of why joint credit cards dont exist in the UK and the CCA does allow for joint debt because loans, overdrafts etc are all CCA regulated and are allowed to be in joint names.

It may be as simple that no one thinks there is demand for such things to go to the cost of creating them... they do exist in the US but only a small number of providers offer them and their use, by all accounts, is very low in compared to single name with secondary users. 

born_again

DullGreyGuy said:

born_again said:

sm82 said:

I saw that and I think it’s ridiculous that you can share/see all accounts transactions with a main bank account (if joint or authorised), yet the same two people can’t do the same option with a credit card!

Basically, That is because only one person is in control of a CC & liable for the debt on a credit card account. All you do is allow someone to have a card on the account. They can not do anything other than spend. So they do not need to have access to anything else on the account.

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

This is CC section


A Credit Card account is nothing like a joint bank account.
A joint bank account has 2 account holders. So either party can view the whole account & make changes to the account.

A Credit card only has one account holder. If they allow someone else to have a card, they are a additional user & at best can only see their spending via a app or internet. But they have no access to balance limits, ability to change anything. We will not even let them request a new card. Account holder has to do that.

Each CC has their own way of doing things. Amex maybe doing it as it is a US co & that is how they work.

DullGreyGuy

born_again said:

DullGreyGuy said:

born_again said:

sm82 said:

I saw that and I think it’s ridiculous that you can share/see all accounts transactions with a main bank account (if joint or authorised), yet the same two people can’t do the same option with a credit card!

Basically, That is because only one person is in control of a CC & liable for the debt on a credit card account. All you do is allow someone to have a card on the account. They can not do anything other than spend. So they do not need to have access to anything else on the account.

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

This is CC section


A Credit Card account is nothing like a joint bank account.
A joint bank account has 2 account holders. So either party can view the whole account & make changes to the account.

A Credit card only has one account holder. If they allow someone else to have a card, they are a additional user & at best can only see their spending via a app or internet. But they have no access to balance limits, ability to change anything. We will not even let them request a new card. Account holder has to do that.

Each CC has their own way of doing things. Amex maybe doing it as it is a US co & that is how they work.

But its not a joint account... you even bolded that point @born_again!