Covid 19 Status

In line with HM Government requirements to fight the spread of Covid-19 we have measures in place to ensure that we protect our staff, their families and the wider community, but also to ensure that there is minimal disruption to our customers.

Your access to online Multi Agency Credit Reports, Expert Help and Account Management remains unaffected. We take great pride in the support that we provide to our customers and throughout this period will do all we can to minimise the impact on our services. While the country remains in lockdown we will continue to support your queries via a dedicated and experienced team that will be securely working from home, and supported by a Management Team that will continue to be based at our head office and who will be able to provide customer support as required.

The security measures that we have in place to protect your Personal Data, in line with our Privacy Policy, will mean that some elements of our personalised support are affected during this period as our support team will be working with anonymised data when working remotely. Freephone access to our Credit Analysts has been removed during this period while we focus our efforts on continuing to reply to all of your emails and secure messages within one working day.

Thanks for your understanding, and we hope to have full customer support available as soon as possible and wish you well during these challenging times.

CREDIT REPORT SERVICES AND ONLINE EXPERT HELP ARE FULLY OPERATIONAL - PHONE LINES ARE CLOSEDCOVID-19 STATUS

ONLINE SERVICES FULLY OPERATIONAL
PHONE LINES ARE CLOSEDCOVID-19 STATUS

Additional Cardholder

What is an additional cardholder?

An ‘Additional Cardholder’ is someone who you have authorised to have an extra credit card on your credit card account, enabling them to make purchases on your credit account.

It’s important to note that this is not the same as a joint account - you remain fully and solely liable for all spending on both cards and repayments by both you and by the added cardholder. This is in stark contrast to a joint account or a mortgage taken out in joint names, where each party has Joint and Several Liability – either party can be sued for the debt, either by themselves or together, the lender can choose.

Also unlike a joint account, you will not create a financial association with someone that you name an additional cardholder because there is no ‘financial link’ in place.

Credit history is only recorded on the credit report of the main cardholder, including any spending incurred on the other user’s card, so it is not recommended for people that want to help someone build their credit history with hopes of them being able to take credit of their own.

Additional cardholders often have limited rights when it comes to the credit account, to the extent that they may not even be able to get any information about the account when contacting the card provider.

The person named as the additional cardholder is usually required to be an immediate family member, aged over 18 and living at the same address as the main cardholder. Other than that, no financial checks are usually undertaken on the person you wish to grant access to your credit account; the credit card company relies entirely on your authority to add the cardholder at your own risk.

No additional benefits or increased limits are given when adding a cardholder, though if you are collecting rewards or cashback on a card, you could earn more quickly.

Remember: in all cases you are 100% liable for all spending by the additional cardholder.


Q: Is a credit check needed to grant an additional card?

A: No. While a credit check would have been carried out at the time of the original credit agreement, lenders do not need to check the credit histories of any additional cardholders added as ultimately the main cardholder is still ultimately liable for any and all expenditure.

Jargon Buster

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