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Tesco credit card - additional card holder

As an additional card holder, will I be able to view the credit card statements/transactions? Thanks
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Comments

  • WillPS
    WillPS Posts: 4,372 Forumite
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    No, the only provider who allows any form of account access to additional cardholders is Amex, and even then the access is limited stuff pertaining to that specific cardholder's transactions - no statements, payments etc etc.
  • phillw
    phillw Posts: 5,630 Forumite
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    edited 26 February 2023 at 1:04PM
    Also any purchases made by an additional card holder, are likely exempt from section 75 protection.
  • sandy700
    sandy700 Posts: 175 Forumite
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    edited 28 February 2023 at 2:24PM
    phillw said:
    Also any purchases made by an additional card holder, are likely exempt from section 75 protection.
    How will they know?

    I am an additional cardholder to my wife's Tesco credit card and when I got my card it had the same number, end date, security number on the back and PIN.
  • WillPS
    WillPS Posts: 4,372 Forumite
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    sandy700 said:
    phillw said:
    Also any purchases made by an additional card holder, are likely exempt from section 75 protection.
    How will they know?

    I am an additional cardholder to my wife's Tesco credit card and when I got my card it had the same number, end date, security number on the back and PIN.

    Good point. I don't suppose they would based on the card alone, but I suspect it'd have to be declared as part of a claim.
  • DullGreyGuy
    DullGreyGuy Posts: 14,028 Forumite
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    sandy700 said:
    phillw said:
    Also any purchases made by an additional card holder, are likely exempt from section 75 protection.
    How will they know?

    I am an additional cardholder to my wife's Tesco credit card and when I got my card it had the same number, end date, security number on the back and PIN.
    They are in the minority... most card issuers give each card a unique number so that one can be cancelled if lost not both, that people can track who spent what etc.

    The OP however didnt ask anything about S75 so not sure why it was brought up... S75 requires a relationship between debtor, creditor and supplier. A secondary cardholder isnt the debtor but this doesnt invalidate S75 as long as the primary cardholder is the one in contract with the supplier. If there is a written contract then thats easy to resolve, the debates come when its just a till receipt as implicitly the person authorising the payment is the contracting party and hence you get the arguments that the TV was for the living room so a joint purchase etc.
  • WillPS
    WillPS Posts: 4,372 Forumite
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    edited 28 February 2023 at 3:51PM
    sandy700 said:
    phillw said:
    Also any purchases made by an additional card holder, are likely exempt from section 75 protection.
    How will they know?

    I am an additional cardholder to my wife's Tesco credit card and when I got my card it had the same number, end date, security number on the back and PIN.
    They are in the minority... most card issuers give each card a unique number so that one can be cancelled if lost not both, that people can track who spent what etc.
    Art thou sure? The only issuer I've experienced with a separate PAN for additional cardholders has been Amex.
    Natwest Group certainly use the same PAN (perhaps not a surprise since they have some shared heritage with Tesco credit cards). I know that at least one of the banks that used to issue licensed Amex cards (Lloyds, TSB, MBNA and Barclaycard) did as well because it used to cause problems with the Amex offers. Pretty sure it was LBG.
  • Belenus
    Belenus Posts: 2,607 Forumite
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    WillPS said:
    sandy700 said:
    phillw said:
    Also any purchases made by an additional card holder, are likely exempt from section 75 protection.
    How will they know?

    I am an additional cardholder to my wife's Tesco credit card and when I got my card it had the same number, end date, security number on the back and PIN.
    They are in the minority... most card issuers give each card a unique number so that one can be cancelled if lost not both, that people can track who spent what etc.
    Art thou sure? The only issuer I've experienced with a separate PAN for additional cardholders has been Amex.
    Natwest Group certainly use the same PAN (perhaps not a surprise since they have some shared heritage with Tesco credit cards). I know that at least one of the banks that used to issue licensed Amex cards (Lloyds, TSB, MBNA and Barclaycard) did as well because it used to cause problems with the Amex offers. Pretty sure it was LBG.
    New Day have separate numbers.

    My wife and I each have a New Day John Lewis Credit card and we are both additional card holders on the other's account. The additional cards have a different number. Only the first 4 digits are the same across all 4 cards. The other 12 numbers are all different.


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    He said to the salesman, “My wife would like to talk to you about the Volkswagen Golf in the showroom window.”
    Salesman said, “We haven't got a Volkswagen Golf in the showroom window.”
    The man replied, “You have now mate".
  • born_again
    born_again Posts: 16,907 Forumite
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    WillPS said:
    sandy700 said:
    phillw said:
    Also any purchases made by an additional card holder, are likely exempt from section 75 protection.
    How will they know?

    I am an additional cardholder to my wife's Tesco credit card and when I got my card it had the same number, end date, security number on the back and PIN.
    They are in the minority... most card issuers give each card a unique number so that one can be cancelled if lost not both, that people can track who spent what etc.
    Art thou sure? The only issuer I've experienced with a separate PAN for additional cardholders has been Amex.
    Natwest Group certainly use the same PAN (perhaps not a surprise since they have some shared heritage with Tesco credit cards). I know that at least one of the banks that used to issue licensed Amex cards (Lloyds, TSB, MBNA and Barclaycard) did as well because it used to cause problems with the Amex offers. Pretty sure it was LBG.
    Can say for certain HSBC group do & others.

    Was changed years ago due to the number of complaints about having to stop both cards on accounts. When 1 was lost/fraud etc.
    Life in the slow lane
  • WillPS
    WillPS Posts: 4,372 Forumite
    Part of the Furniture 1,000 Posts Newshound! Name Dropper
    WillPS said:
    sandy700 said:
    phillw said:
    Also any purchases made by an additional card holder, are likely exempt from section 75 protection.
    How will they know?

    I am an additional cardholder to my wife's Tesco credit card and when I got my card it had the same number, end date, security number on the back and PIN.
    They are in the minority... most card issuers give each card a unique number so that one can be cancelled if lost not both, that people can track who spent what etc.
    Art thou sure? The only issuer I've experienced with a separate PAN for additional cardholders has been Amex.
    Natwest Group certainly use the same PAN (perhaps not a surprise since they have some shared heritage with Tesco credit cards). I know that at least one of the banks that used to issue licensed Amex cards (Lloyds, TSB, MBNA and Barclaycard) did as well because it used to cause problems with the Amex offers. Pretty sure it was LBG.
    Can say for certain HSBC group do & others.

    Was changed years ago due to the number of complaints about having to stop both cards on accounts. When 1 was lost/fraud etc.

    Makes perfect sense. Guess I've only ever set them up on banks doing it 'the old way'.
  • DullGreyGuy
    DullGreyGuy Posts: 14,028 Forumite
    10,000 Posts Second Anniversary Name Dropper
    WillPS said:
    WillPS said:
    sandy700 said:
    phillw said:
    Also any purchases made by an additional card holder, are likely exempt from section 75 protection.
    How will they know?

    I am an additional cardholder to my wife's Tesco credit card and when I got my card it had the same number, end date, security number on the back and PIN.
    They are in the minority... most card issuers give each card a unique number so that one can be cancelled if lost not both, that people can track who spent what etc.
    Art thou sure? The only issuer I've experienced with a separate PAN for additional cardholders has been Amex.
    Natwest Group certainly use the same PAN (perhaps not a surprise since they have some shared heritage with Tesco credit cards). I know that at least one of the banks that used to issue licensed Amex cards (Lloyds, TSB, MBNA and Barclaycard) did as well because it used to cause problems with the Amex offers. Pretty sure it was LBG.
    Can say for certain HSBC group do & others.

    Was changed years ago due to the number of complaints about having to stop both cards on accounts. When 1 was lost/fraud etc.

    Makes perfect sense. Guess I've only ever set them up on banks doing it 'the old way'.
    I'm only going on anecdotal evidence and could have by luck selected companies that give different numbers. It makes more sense these days with the 2 form factor authentication as the second cardholder gets their own text etc of a code to pay online whereas if it was a single number only the primary cardholder would get the message
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