Can I Have An Additional Cardholder On My Account?

You can have one or more additional Cardholders on your credit card account with most companies.

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How is interest calculated?: Interest is calculated on a monthly basis on the outstanding balance if full payment has not been received.
How can I pay off my balance?: There are number of ways you can choose to pay off your credit card balance - either by Direct Debit, by Debit Card over the phone, by bank transfer from your bank or by cheque.
Will I get charged Late payment/Overlimit fees?: All credit cards charge you if your payment is overdue.
Will I have to pay interest each month?: You can avoid paying any interest by always paying your balance in full and on time each month.
What is Direct Debit?: Direct Debit allows your credit card company to take, according to your instructions, a variable amount of money from your bank account each month to pay all or part of your outstanding credit card balance.

These details will normally be arranged at application, when you will be offered the opportunity to include details for extra cardholders. If you already have a credit card, you will be able to add an additional cardholder simply by contacting your credit card company either online or by telephone, and sending the request. As long as that person is aged 18 or over, they will be accepted.

As the primary Cardholder, you will be responsible for paying the entire bill, and the second Cardholder will have no legal responsibility for the card. Make sure that you do not hand out of any of your security details, such as user name and password, to anyone.

If you wish to change the details of or remove your second Cardholder, simply contact your credit card issuer to make the amendment. You will still be liable for transactions with the second Cardholder's card until you have returned it to the credit card issuer, having cut the card in half.