Are you an additional card holder?

[bobbieswans]

Is anyone an additional card holder on DH/DP's credit card? If yes, do you have to ask before you use it, or can you just use it as you wish?

My dh is on mine.
Of course he doesn't need to ask! I trust him and he pays the majority of it anyway- whatever I ask him to pay.

I am and i use it as i wish, he never questions what i have spent on it.

DH has an extra card on my account. He can use his card exactly the same as I can.
I don't think it would be possible for a financial services company to establish if they had got permission for each transaction. Giving them a card is giving full permission to use the account.

I am. I use it as I wish but we use it for general expenses. Shopping, petrol etc.

Dh is on one. He can use it as he wishes but doesn’t. Usually only if he’s nearly overdrawn.

dd is on another. She uses it for reasonable expenses like petrol, food. She will ask if it’s anything personal she wants to buy like clothes of friends gifts. I am happy for her to just use it as she has no other income but also very pleased she does ask and shows responsibility.

I'm an additional cardholder but I do ask. This is because I have no money of my own to help pay it back. It's usually for car or house insurance though so it benefits him as well.

DH is a SAHD and is an additional cardholder on two of my accounts. He does not need to ask before using them and I don’t police what he spends (although I would if a very large amount suddenly appeared). He mainly uses them for household things but does do some personal spending on them. I pay them off in full from my salary.

My husband is additional cardholder on mine as I do the house money stuff, I check the statement each month and might check anything I don't recognise but that's only to make sure we don't have fraud on the account. It gets all paid off each month from the joint account.

My partner (F) is an additional on 2 of mine - one is basically a joint card that we pay off together each month, the other I put her on, but she doesn't really use it and pays me back when she does.

Yes, I am on his 2 cards and he is on my one. All our money is joint money. Some stuff is in my name solely for tax reasons (I pay at a lower rate than him).

So any spending comes from the same joint money. At one point I had more than him. I no longer work but have other income. His income far exceeds mine at this stage. But we both consider it all joint.

Yes I am an additional card holder on my DHs credit card. No I don't ask before using it. I tell him it's my favourite card to use because it feels like free money 😂

I am DH’s additional card holder we’ve pre agreed what i use the card for: groceries, clothes for dc, presents for parties, socialisation for dc, petrol.

Anything big we discuss. Anything personal we each have a set amount of money to spend on us individually as we choose.

I am on one of DHs. I use it all time time and pay the bill. The most annoying thing is because I'm the second cardholder I can't see the balance on the app so I sometimes have to ask DH to what it is so I can brace myself for the bill!

i do have a partner card. Would only check before using if I were about to spend a huge sum in terms of amount of credit available.

I have a card on DHs credit card but it’s really for emergencies. If I do use it I usually tell him but I don’t have to ask permission. He doesn’t do online banking so I access his bank account on the app when I want to.

I'm the additional card holder.
I use it freely - infact it is our major source of spending, so I probably use it motre than him, given I drive 10 times further, and do the bulk of the food shopping.
It's a card in my name. I have my own PIN, and can get my own security checks.
The only thing I don't have is the bill sent to me.

The only time I've got him to check the balance is when our holiday balance was due the same time as the new bathroom - and by putting both on the credit card we got masses of loyalty points. It did involve quite a bit of balance clearance tho!

We have had joint cards for years. The main one is in my name but DH checks and pays the bill. In general we always had ‘joint’ cards that went with our shared finances especially when the DC were young. We are older now with adult children so actually have separate accounts for general spending and then joint for household.

The only time I discussed a purchase before making it was if I didn’t have the available funds to pay the bill or if it was for the house to check we both agreed if it was an item with choice. An example would be the new fancy kitchen bin.