Joint Credit Card Application?

[AB]

This year we're looking at spending a bit more than we usually would on a 'break' to celebrate promotions and a few other things.

We don't use credit cards but I've just applied for a Tesco 0% on purchases card and was accepted with a £3,200 credit limit. Moneysavingsupermarket advised this was the best (and we'll get Clubcard points and therefore Virgin Airmiles from it)

It'll be paid off in a few months but could do with £5k as a limit and I'm sure this would be possible if they took Mrs AB's income into account.

Do such things exist?

[HenryJM]

My understanding is that you can't in the UK. You can be a main cardholder and then there can be supplementary card holders, but it is the main cardholder who is assessed and liable to pay.

But why not each get one?

[AB]

That's an option but makes it difficult when booking online.

I've not checked but I'm sure booking two single holidays would be more expensive than booking for both of us at the same time?

Although perhaps if we called them they could split it.

[Burrito]

I've always been able to split payments when booking snowboarding holidays for big groups, I'm sure they'd be happy to split it.

[Defcon5]

When do you need to pay?

If you buy some stuff and pay it off they will probably increase it if you ring them. I'm guessing you are on a decent salary so shouldnt be a problem

[AB]

Good idea, I'll give them a ring. I just assumed what they gave me from the start was based on salary. Suppose it's not set in stone.

Decent enough salary, just don't have access to £5-7k cash at the moment.

[Defcon5]

AB said:

Good idea, I'll give them a ring. I just assumed what they gave me from the start was based on salary. Suppose it's not set in stone.

Decent enough salary, just don't have access to £5-7k cash at the moment.

I'm sure there is a formula, not sure what though. I have two cards and the combined limit is more than my net salary!

[AB]

Defcon5 said:

I have two cards and the combined limit is more than my net salary!

That would undoubtedly cover our holiday.

Assume that has been built up over time though?

We have no history of cards/loans and paying it back unfortunately.

It's not a huge problem, we just wanted to spend a little more than we have access to at the moment as we're currently refurbishing a house amongst other things.