I was discharged from BR in 2009 and have not had a credit card since then. I use my Dad's credit card for online purchases and use it basically as my own (he does not use it at all and we live at the same address). He has said he could add me as an additional card holder for more convenience. However before doing this, I am wondering whether his credit record would be affected by me having an additional card on his credit card account?
I know they dont credit check the additional card holder as the main account holder is still liable for managing the account and balance. But I want to be sure that it will not damage his credit scoring in anyway or tie his name to mine in any negative way?
Anybody know anything about this?
Its only a short term arrangement really, as I would rather get a credit card in my own name so that I can start rebuilding my credit scoring but for the moment I cant get one, even with Vanquis.