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zamfir
Junior Member
303 Posts |
 Posted - 04 September 2008 : 01:39:19
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| Hi all, just wondering if anybody has had experience of trying to be an additional cardholder on someone elses credit card whilst being an undischarged BR? The reason I ask is that I turn 30 next year, and the folks are treating me and my other half to a small holiday in Europe. Whilst there, we'll need to rent a car (i'm the only driver) and check into a hotel - both of which require a credit card in the customer's name. Cheers, T. |
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m and v
Average Member
United Kingdom
760 Posts |
Posted - 04 September 2008 : 07:56:46
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Hi there - good question! I suppose the cardholder is the card owner and responsible for the debt but it gives you access to more than £500 of credit whilst you are undischarged......a BR assist expert will need to answer this! I wonder if they credit check additional card holders??
You could get a pre-paid card but will obviiously needs to load it with enough money to cover the deposit the car hire company want to secure with the card.
Vicki x |
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harbourmaster
Junior Member
346 Posts |
Posted - 04 September 2008 : 09:30:01
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If, lets say, someone had a bit of cash to load onto a prepaid credit card........
Could the OR find out that you have it!!!! |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 04 September 2008 : 09:40:16
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Hi HM
Thats a good question, i was thinking about that one.
I wonder if any one knows.
Keep Smiling
Jo :)
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
You can read my updated blog here:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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zamfir
Junior Member
303 Posts |
Posted - 04 September 2008 : 11:29:27
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| Also worth noting that some Car Hire companies take an embossed copy of the card (Prepay & Electron cards are no good), and some just take an online authorisation (most Prepay cards won't allow this). |
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 04 September 2008 : 11:33:18
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Hi Harbourmaster,
Pre-paid cards are not credit checked, so you should be ok (I got mine shortly after going BR with no problems).
Zamfir, it should depend on how much the online authorisation is for. As long as there are sufficient funds loaded onto the card, you should be ok. However, I don't see an issue with you being an additional cardholder on someone else's account as you are not legally liable for the debt anyway.
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
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zamfir
Junior Member
303 Posts |
Posted - 04 September 2008 : 11:38:00
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Thanks for your response Julian - My dad has a Credit Card with Lloyds (one of my creditors) and my other half with Mint (not one of my creditors).
Do you think I'd be credit-checked for it and/or run into problems when applying?
Thanks, T. |
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 04 September 2008 : 11:42:31
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Hi Zamfir,
As your dad is solely liable for the debt irrespective of who the additional cardholder is and their status, I can't see an issue in law. As always, it's at the bank's discretion.
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
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harbourmaster
Junior Member
346 Posts |
Posted - 04 September 2008 : 23:32:18
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| Hey Julian, which pre paid credit card did you get,I have been trawling through them tonight and am boggled now!! :( |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 05 September 2008 : 08:51:57
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Hi HM
Me too there are so many to choose from, Why cant life just be simple, eh?
And Remember To Keep Smiling
Jo :)
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
You can read my updated blog here:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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Topic |
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Additional Cardholder?
