thread: Can people be banned from having a credit card?

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  1. #1
    Registered User

    Nov 2009
    Scottish expat living in Geelong
    5,572

    However often a basic credit report will just look for the surname and address. Some credit providers will do a further search to establish who has the credit issues, but many will just flat out refuse on the basis that debt in a marriage is shared, however incorrect that may be.

  2. #2
    Registered User

    Jan 2004
    Melbourne, Australia
    1,002

    Luckily we don't have same name and as he has applied without me knowing he is def. not going to put my name on any forms.
    Not going to bail him out this time. He can work it out himself. However this sorely tests my philosophy of not giving the banks any interest - that is why I bail him out as I can't stand the thougth of the banks getting all that interest!
    I had the same credit card for 20 years and pay it off every month and just swapped to a new one with better rewards a few months ago so don't think his bad habits have affected my name. but having said that, we have been together 11 years and i have got him out of trouble numerous times, so as you said Trav his credit history now looks good as I have made it that way.
    I would never snoop - I already know he is an idiot with money
    we just sat down and talked and i am going to sit down with him every week to go through our bills in an effort to educate him in how much we spend and start to take some responisibility.
    thanks for the info.
    Last edited by anney; November 20th, 2011 at 08:25 AM. : added extra info.