Can we have a credit card on a joint account?

Nana_Saes

My partner and I have a joint bank account for household bills and each have a personal account with the same bank - Nationwide.  We each have a credit card for our personal accounts.  Sometimes we want to buy stuff for the household on a credit card and  my partner usually uses his card but it would be more convenient if we could have a Credit Card for the joint account.  Does anyone know whether this is possible please?

DullGreyGuy

Nana_Saes said:

My partner and I have a joint bank account for household bills and each have a personal account with the same bank - Nationwide.  We each have a credit card for our personal accounts.  Sometimes we want to buy stuff for the household on a credit card and  my partner usually uses his card but it would be more convenient if we could have a Credit Card for the joint account.  Does anyone know whether this is possible please?

Credit cards are a seperate account to current accounts, so no you can't add a CC to any CA. You can set up the DD to come out of any account you want though, so could have a CC which collects from that account if you wanted. 

There is also no such thing as a joint credit card in the UK, you will have a single account holder and secondary cardholders but the account holder is liable for all spending. 

lr1277

If you can manage the cashflow, can you both not have a debit card from your joint account?

Nana_Saes

lr1277 said:

If you can manage the cashflow, can you both not have a debit card from your joint account?

We do both have a debit card from the account, but sometimes, when buying something big (parts for our car this time)  we like to use a credit card for the extra security.

Nana_Saes

DullGreyGuy said:

Nana_Saes said:

My partner and I have a joint bank account for household bills and each have a personal account with the same bank - Nationwide.  We each have a credit card for our personal accounts.  Sometimes we want to buy stuff for the household on a credit card and  my partner usually uses his card but it would be more convenient if we could have a Credit Card for the joint account.  Does anyone know whether this is possible please?

Credit cards are a seperate account to current accounts, so no you can't add a CC to any CA. You can set up the DD to come out of any account you want though, so could have a CC which collects from that account if you wanted. 

There is also no such thing as a joint credit card in the UK, you will have a single account holder and secondary cardholders but the account holder is liable for all spending. 

Yes, I had forgotten that, so could we set up another credit card that we could use for our joint purchases and pay it off from the joint account?
After thinking more about what you said, I think I was asking a daft question, wasn't?
Thanks for clarifying!

35har1old

Nana_Saes said:

DullGreyGuy said:

Nana_Saes said:

My partner and I have a joint bank account for household bills and each have a personal account with the same bank - Nationwide.  We each have a credit card for our personal accounts.  Sometimes we want to buy stuff for the household on a credit card and  my partner usually uses his card but it would be more convenient if we could have a Credit Card for the joint account.  Does anyone know whether this is possible please?

Credit cards are a seperate account to current accounts, so no you can't add a CC to any CA. You can set up the DD to come out of any account you want though, so could have a CC which collects from that account if you wanted. 

There is also no such thing as a joint credit card in the UK, you will have a single account holder and secondary cardholders but the account holder is liable for all spending. 

Yes, I had forgotten that, so could we set up another credit card that we could use for our joint purchases and pay it off from the joint account?
After thinking more about what you said, I think I was asking a daft question, wasn't?
Thanks for clarifying!

If you are buying anything big the first named account holder should make the purchase to get the added protection in the event of a claim

DullGreyGuy

Nana_Saes said:

DullGreyGuy said:

Nana_Saes said:

My partner and I have a joint bank account for household bills and each have a personal account with the same bank - Nationwide.  We each have a credit card for our personal accounts.  Sometimes we want to buy stuff for the household on a credit card and  my partner usually uses his card but it would be more convenient if we could have a Credit Card for the joint account.  Does anyone know whether this is possible please?

Credit cards are a seperate account to current accounts, so no you can't add a CC to any CA. You can set up the DD to come out of any account you want though, so could have a CC which collects from that account if you wanted. 

There is also no such thing as a joint credit card in the UK, you will have a single account holder and secondary cardholders but the account holder is liable for all spending. 

Yes, I had forgotten that, so could we set up another credit card that we could use for our joint purchases and pay it off from the joint account?
After thinking more about what you said, I think I was asking a daft question, wasn't?
Thanks for clarifying!

No such thing as a daft question even if the answer is simple. 

NoodleDoodleMan

Nana_Saes said:

lr1277 said:

If you can manage the cashflow, can you both not have a debit card from your joint account?

We do both have a debit card from the account, but sometimes, when buying something big (parts for our car this time)  we like to use a credit card for the extra security.

As suggested above, good advice - one of you can become an additional cardholder on the other's credit card account.

The principal is responsible for ALL debts incurred by both parties - there is no such thing as a joint credit card. 

Each of you can still have a separate individual credit card of course, if so desired, at any bank that offers one.

km1500

So you each have a individual Nationwide credit card at the moment

one idea would be to open for example a Barclaycard in one of your names and pay that off from the joint account either manually or by setting up a direct debit to that joint account

DullGreyGuy

NoodleDoodleMan said:
there is no such thing as a joint credit card. 

In the UK... in the US they exist but remain rare with many more having additional cardholders rather than joint account holders.

NoodleDoodleMan

I omitted reference to the USA, hardly relevant to the UK.

As you correctly say, rare even there.