Does being a secondary card holder on a credit card impact your credit rating?

Fistycuffs · 2012-02-02 19:54:28

I am a named cardholder on a credit card but I am not the main named cardholder. Does this impact my own personal credit rating at all? I know it does in the US but im unsure of the situation here. Would the main cc holders behaviour impact my credit standing also? Thanks to anyone who can shed any light.

02-02-2012 08:54PM

#1

Fistycuffs

Registered Users, Registered Users 2 Posts: 305 ✭✭

Join Date: June 2010

Posts: 282

I am a named cardholder on a credit card but I am not the main named cardholder. Does this impact my own personal credit rating at all? I know it does in the US but im unsure of the situation here. Would the main cc holders behaviour impact my credit standing also?

Thanks to anyone who can shed any light.

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#2 02-02-2012 09:40PM

roxybing

Registered Users, Registered Users 2 Posts: 52 ✭✭

Join Date: December 2010

Posts: 38

Short answer - No

You are an authorized user of a credit card account. If the main user won't/can't pay you are not responsible for the debt. It will only show on the main holders details.

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#3 03-02-2012 10:38PM

nlgbbbblth

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Posts: 5446

No.

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