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To take out a personal credit card in my name, to pay for company goods??

110 replies

JokersToTheLeftOfMeClownsToTheRight · 10/06/2026 07:38

I have been asked by my work (a community shop in a village - run mostly by volunteers, but with paid daily management - including me) to take out a personal credit card. I would use this to pay for food orders etc for the shop. And they will pay it off each month. Maybe spending £500 - £1000 a month.
This is because the committee member in charge of finance, says the bank will only issue committee / board members with debit / credit cards - none of which seem to work for paying for goods online (we have tried - the pin doesn't work, and it doesn't even send an authorization code).
My husband says this is ridiculous - and has put his foot down, saying it effects him / our family as well (ie: if anything goes wrong).
For background - the committee are all very well-off retired people, who probably don't understand that it's not quite as easy for me financially! So it's not them trying to pull a fast one, and I am positive I would not be left out of pocket, but I am worried it might effect my credit rating. As well as just not being very professional!
But what justification do I give them for not doing this? Without looking difficult? (And I know I have every right just to say no! But I don't want to offend anyone - and they all think this is a brilliant idea that will solve the issues we are having).
Any advice, would be brilliant! Thanks!

OP posts:
travailtotravel · Yesterday 08:26

Ooh no,no no no. Charity regs would also point against this as being a good idea. Also,if its such a good idea, why doesn't one of them do it?!

RosaMundi27 · Yesterday 09:45

Can these well-off people not get use their own personal credit cards? Something is not quite right about this request. Either they don't respect you, don't care if you're made personally liable, or there's something not ok about their finances.
Absolutely do not do this.

topcat2014 · Yesterday 10:59

JokersToTheLeftOfMeClownsToTheRight · Yesterday 07:20

Thanks for all your replies. It has been really helpful. Definitely will say no! And have a think about how to make it work in another way.

Making it work in the same way every other business works does not sound like it should be your problem

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NoCommentingFromNowOn · Yesterday 13:15

hididdlyho · Yesterday 08:13

Did you post a few weeks back as you were thinking of leaving this job... They call you on your days off and expect you to work unpaid overtime because none of the volunteers can do certain tasks? If so, this nonsense about wanting you to apply for a credit card would definitely make me hand in my notice!

Oh blimey I just read that, thanks.

@JokersToTheLeftOfMeClownsToTheRight Say no to the card but start looking for a new job too. Or just leave, depending how much you’re depending on the money. There are too many other problems.

Whoopiedooo · Yesterday 14:32

It's a long shot but does the card just need to be used with it's pin in a real chip and pin machine first. My replacement Barclaycard did. Some Amazon things worked fine and others just kept spouting out about a payment revision being needed. When I went to the osteopath his touch machine refused it so he got out the old fashioned one that you stick it in and type the pin. Suddenly all the Amazon things worked too.
Otherwise, I agree with everyone else. Glad you're going to say No.

dh280125 · Yesterday 15:40

Larrythecatforpm · 10/06/2026 07:39

God no don’t do that!!

This. If it's a business, it can get you a business card. It's not your problem to solve.

Besidemyselfwithworry · Yesterday 15:42

Larrythecatforpm · 10/06/2026 07:39

God no don’t do that!!

No way
the local food bank have a credit card I know that as my neighbour volunteers there and if they are short of a particular item eg no beans they go and buy a load of them and then it’s paid by the monthly donations they receive every month
if they have charitable status they have a bank account surely and can get one fRon the bank
just noooo

reluctantbrit · Yesterday 18:14

AImportantMermaid · 10/06/2026 18:55

This could be a plot for Death in Paradise. You get a credit card with say a £10,000 limit. Two of the committee who are having a secret affair use your credit card to buy flights to St. Marie leaving you with the debt. It causes you to lose your job, your marriage breaks down, and you lose everything.

10 years later you go out to St. Marie where the couple have opened a successful village store. You change your appearance, get a job in the store, and then you botch the theft of their money, and so you have to kill them.

This could definitely happen, so don’t do it. You could ruin your life.

Please send this as a plot suggestion to the BBC, it's great.

Aligirlbear · Yesterday 19:51

You say no and get the committee to speak to the bank so they learn how to use the cards properly. Of course they will work for what you are saying they are needed if used properly.

Mrsgreen100 · Yesterday 22:37

wtf absolutely not what the hell is going on there don’t do it

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