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  • FIRST POST
    • rockstarnorth
    • By rockstarnorth 6th Dec 17, 10:52 AM
    • 2Posts
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    rockstarnorth
    Help with 'joint' credit cards
    • #1
    • 6th Dec 17, 10:52 AM
    Help with 'joint' credit cards 6th Dec 17 at 10:52 AM
    Ok, firstly, I know there's no such thing as a joint credit card...

    Currently, my wife and I have a joint account (for all household and joint expenses eg. holidays, groceries etc.), and we also have our own personal accounts for our solo expenses.

    At the moment we use reward credit cards to do all our monthly personal spend, which we pay off in full every month via direct debits from our personal accounts.

    However, for our joint spending, we either use the debit card for our joint account (so we don't get cashback or points etc.), or one of us will put it on one of our personal reward cards, meaning we then need to move money out of the joint account to the relevant personal account each and every time.

    To make things easier, I want to get a reward credit card with a supplemental card (so we've both got cards but on the same credit account) that will then be paid off by a direct debit from our joint account.

    I know that you can only apply for a credit card as an individual but rather than applying for yet another credit card, is there an easier way of doing this? For instance, can you apply for supplemental cards on an existing account, and then define that they will be paid by a direct debit from a different account from that of the main account holder?
Page 1
    • MallyGirl
    • By MallyGirl 6th Dec 17, 11:04 AM
    • 2,687 Posts
    • 7,690 Thanks
    MallyGirl
    • #2
    • 6th Dec 17, 11:04 AM
    • #2
    • 6th Dec 17, 11:04 AM
    no you can't do that. Either get a supplemental card and pay it all off from the joint account or get a new card for joint expenses only, with a supplemental card, and pay that from the joint account.
    The main account holder is responsible for all transactions made on the card regardless of which card made them - you don't get credit checked for the supplemental card.
    • PeacefulWaters
    • By PeacefulWaters 6th Dec 17, 11:24 AM
    • 8,320 Posts
    • 10,638 Thanks
    PeacefulWaters
    • #3
    • 6th Dec 17, 11:24 AM
    • #3
    • 6th Dec 17, 11:24 AM
    Switch your joint current account to Tesco and earn interest and Clubcard points?
    • YorkshireBoy
    • By YorkshireBoy 6th Dec 17, 11:49 AM
    • 30,151 Posts
    • 18,001 Thanks
    YorkshireBoy
    • #4
    • 6th Dec 17, 11:49 AM
    • #4
    • 6th Dec 17, 11:49 AM
    For instance, can you apply for supplemental cards on an existing account, and then define that they will be paid by a direct debit from a different account from that of the main account holder?
    Originally posted by rockstarnorth
    It's not a "different account" though is it?...because the main cardholder's name will be on the account. eg Mr J Smith is the main cardholder and adds Mrs P Smith as an additional cardholder. Mr J Smith then asks that the DD will be collected from a joint account in the names of Mr J and Mrs P Smith.


    So the answer to your question is yes.
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