Single bank account -2nd cardholder

In2deep

Hi folks. 

Is it possible to have a single current account but have 2 cardholders in the same account with the account holders consent?

I know that a joint account may seem the most obvious option, but one of us has a perfect credit rating and the other is poor. 

We do not want to create a financial associate just yet until the poor credit record is better, as we believe this will impact negatively on the good credit score.

Is it possible to have a 2nd cardholder without creating this link.

Currently banking with Nationwide.

Thanks.

WillPS

Starling offer a connected debit card which might fit the bill: Connected card - Starling Bank

Barclays offer additional users for £3 per user per month: Authorised User | Additional cardholder and account supervisor | Barclays

Yorkie006

Apparently you can add another card holder. If the other person is not an existing Nationwide customer, a visit to a branch may be needed though (see the last page of the link).

https://www.nationwide.co.uk/-/assets/nationwidecouk/documents/about/information-for-lawyers/deceased-customers/if10-addition-of-account-holder.pdf?rev=5254224ed8fe47708b9dea4af5b2e55b

WillPS

Yorkie006 said:

Apparently you can add another card holder. If the other person is not an existing Nationwide customer, a visit to a branch may be needed though (see the last page of the link).

https://www.nationwide.co.uk/-/assets/nationwidecouk/documents/about/information-for-lawyers/deceased-customers/if10-addition-of-account-holder.pdf?rev=5254224ed8fe47708b9dea4af5b2e55b

The URL would rather suggest that is only for management of the estate of a deceased member...

Yorkie006

WillPS said:

The URL would rather suggest that is only for management of the estate of a deceased member...

That's not what the website says though...

WillPS

Yorkie006 said:

WillPS said:

The URL would rather suggest that is only for management of the estate of a deceased member...

That's not what the website says though...

Oh, could you share that page please?

Yorkie006

It's almost at the bottom of this page:

https://www.nationwide.co.uk/search/?term=additional card holder

Might be best to simply call the bank...

grumbler

Wouldn't it be easier to get a credit card with a second cardholder? This doesn't create any financial association.

In2deep

grumbler said:

Wouldn't it be easier to get a credit card with a second cardholder? This doesn't create any financial association.

It more for everyday banking and spending etc.

WillPS

Yorkie006 said:

It's almost at the bottom of this page:

https://www.nationwide.co.uk/search/?term=additional card holder

Might be best to simply call the bank...

I think that's just something their search engine is pulling through without context, unhelpfully. By all means give them a ring and find out - it's something often asked for and until Starling's offer (and more recently Barclays') there just wasn't such a thing unless the authorised user had PoA or similar.

grumbler

In2deep said:

grumbler said:

Wouldn't it be easier to get a credit card with a second cardholder? This doesn't create any financial association.

It more for everyday banking and spending etc.

I don't remember the last time I used my debit card for any spending or even had it in my wallet.
What do you mean by 'everyday banking' that needs a debit card?