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1.7. Additional cardholders

Almost all credit cards give you the option of an additional cardholder, sometimes for free and sometimes at an added cost. This feature can be a great way to earn rewards or to share access to a credit card with a partner or family member.

When you submit an additional cardholder request form (and it is approved), this person will be issued with a secondary credit card as well as their own PIN. But even though additional cards look identical to regular credit cards, the primary account holder is the only person legally responsible for covering all the costs.

If you want to add someone to your credit card account as an additional cardholder, make sure both of you are clear about purchase and repayment responsibilities so that it is easier to manage the account and avoid extra debt.