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2019 4.8 Satisfied (56 Votes)
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An additional cardholder is someone the primary cardholder authorises to use their account. Additional cardholders use supplementary (secondary) credit cards linked to the primary cardholders account.
Becoming an authorized user on someone elses credit card account is a strategy for improving credit quickly. It works best if the primary users card has a long record of on-time payments and a high credit limit and the authorized user doesnt have recent blemishes on their credit report.
All spending is consolidated into one monthly statement, and each users transactions are clearly identified. Your Authorized User can access information about their own transactions, but do not have access to transactions made by other cardholders on the same account.
Being added as an authorized user doesnt do much for you, while a joint account is AFAIK as good as your own account. The catch to a joint account is youre both responsible for the balance, so you better trust each other.
July 26, 2024. A supplementary credit card, also known as an additional or authorised user card, is an extension of a primary credit card account. It allows another person, typically a family member, to access the credit limit and benefits of the primary cardholders account.
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An Add-on Credit Card, also known as a supplementary card or secondary card, is essentially an extension of your primary Credit Card. Cardholders can share their credit line with family members or close associates, such as a spouse, children, or parents.
Additional cardholders must be over the age of 18, be your partner, spouse or a close relative, a permanent UK resident and live at the same address as you. You will be responsible for all use of the card by the additional cardholders, and they will also share your credit limit.

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