4 ms·

I use Apple Pay with both my debit cards. This is in the UK.

by K0nserv 8y ago

djmobley 8y ago
I wouldn’t use my debit card for any purchases. More protections and less hassle using a credit card.
- quietbritishjim 8y ago
  The big issue for me is that I have a joint bank account with my partner, so using my debit card for that automatically splits the bill. I suppose we could each get a second credit card that we use only for joint transactions and pay those off from the shared account, but that means that the joint balance is now effectively split over three accounts, and at any time each of us can only see the balance on two of them (not the other's credit card). So it's definitely not "less hassle" in that respect.
  - rpeden 8y ago
    I think every credit card I've had has given me the option of adding a second card for a spouse to use. Maybe something like that? Then just make sure you both have access to the online account so you can both view the balance at any time. There's a small amount of extra friction in that you'll have to coordinate a bit to ensure the card is always paid off equitably, but it probably wouldn't be too big a hassle.
    - djmobley 8y ago
      No extra friction if you set up a direct debit to pay in full every month from the shared bank account.
    - tyfon 8y ago
      That's possible at my bank at least, my wife and I have a common account with two visa debit cards attached (no credit on it). It's not so much for splitting the bill (I pay the most of what goes in there), but it makes putting it in our accounting system much easier :)
      - quietbritishjim 8y ago
        Who said the split has to be equal :-) But it sounds like you have what I already have: a joint current account with two debit cards (one for each person).
  - murph-almighty 8y ago
    If shared access is the only impediment to you using a credit card, you should try add your partner as an authorized user to your card. You should both get access to the balance and other info.
    - quietbritishjim 8y ago
      Thanks, I didn't know about that. That sounds like what I'm after.

I use Apple Pay with both my debit cards. This is in the UK.

djmobley 8y ago

I wouldn’t use my debit card for any purchases. More protections and less hassle using a credit card.

quietbritishjim 8y ago
The big issue for me is that I have a joint bank account with my partner, so using my debit card for that automatically splits the bill. I suppose we could each get a second credit card that we use only for joint transactions and pay those off from the shared account, but that means that the joint balance is now effectively split over three accounts, and at any time each of us can only see the balance on two of them (not the other's credit card). So it's definitely not "less hassle" in that respect.
- rpeden 8y ago
  I think every credit card I've had has given me the option of adding a second card for a spouse to use. Maybe something like that? Then just make sure you both have access to the online account so you can both view the balance at any time. There's a small amount of extra friction in that you'll have to coordinate a bit to ensure the card is always paid off equitably, but it probably wouldn't be too big a hassle.
  - djmobley 8y ago
    No extra friction if you set up a direct debit to pay in full every month from the shared bank account.
  - tyfon 8y ago
    That's possible at my bank at least, my wife and I have a common account with two visa debit cards attached (no credit on it). It's not so much for splitting the bill (I pay the most of what goes in there), but it makes putting it in our accounting system much easier :)
    - quietbritishjim 8y ago
      Who said the split has to be equal :-) But it sounds like you have what I already have: a joint current account with two debit cards (one for each person).
- murph-almighty 8y ago
  If shared access is the only impediment to you using a credit card, you should try add your partner as an authorized user to your card. You should both get access to the balance and other info.
  - quietbritishjim 8y ago
    Thanks, I didn't know about that. That sounds like what I'm after.