Are we in big trouble?

[willowsbrook]

Hi,

name change for this one.

About 18 months ago I needed a credit card but couldn't get one (stupid parking ticket CCJ has ruined my credit score).

DH said he would apply for one and that I could just use it as mine. I was happy with this and actually completed the application for him and basically have used the card as my own ever since. To reiterate, this was discussed explicity with him beforehand and I had/have his absolute consent.

We neeed to contact the credit card company last week to discuss an issue/complaint. DH made the call as it's technically his card but gave consent for them to talk to me.

The person on the line started asking lots of questions - did your husband apply for the card himself, could anyone else have accessed the card, exploited him etc. This made me feel really uncomfortable and now I am really worried that what we have done is serious and that we are going to get into massive trouble.

DH thinks that I am overthinking and that even if they did 'investigate' he would just say he consented so no issue or fraud.

Am I overthinking this?

It is against the Ts and Cs but the worst that will happen is your partner will be asked to bank elsewhere

It is against Ts and Cs for someone to use someone else’s card even with permission. He should have got a 2nd card in your name although as they may have credit scored you I guess this is why he didn’t do that? I don’t think there is much they can do though other than ask him to close it.

They won't have credit scored the OP to give her a named card on her DHs account as she has no responsibility to repay the money and this is what he should have done.

As to whether they will take action against how this card has been used depends on bank policies.

Depends on the bank. The whole family have apple pay on some of my cards, the banks know about it and have no issue with it. Many of my dc's friends have apple pay on one of their parent's cards too.