How many of you share a credit card account with your spouse? Meaning you each have a card in your own name but share the account??
What rules apply to this? I’ve had a couple situations where the card holder has a different name. But the spouse is the one who fills it out and signs.
Then the ID I am sent is of the credit card holder. But…I actually don’t have a signature of the credit card holder since the spouse filled out the agreement.
Anyway…I need everything to match and am just going to be VERY VERY clear in my correspondence before signing. Just because someone tells me they share the same credit card account…I don’t have any proof of that! It’s just their word. That’s why I need it all to match.
Anyway…my question is not at all about my policies.
This is my question: Does your card company consider your signature to be the same effect as your spouse on the account??
The people have responded that they are married and on the same account. So…I am genuinely curious if Credit card companies say that each card holder on the account can sign for each other. That still won’t change my policy because I have no idea if they really share an account.
My guess is the “guest” who is signing is only thinking of “authorization.”
And for me - I am only thinking of any possible chargeback where the card company is going to ask me to produce the cardholder’s signature, and ask how I verified that the person signed is the cardholder.