Anonymous

17 Aug 2023

∙

Does switching to purely using supplementary cards affect your credit rating?

Am looking at getting supplementary cards for my partner, so that we can both work towards earning miles as a couple together.

He is currently using his own miles cards. He also only achieved the rating of A for his CBS credit score around half a year back after consistently paying his bills.

Was wondering if switching him over to supplementary cards only, instead of using his own cards, will cause his credit score to drop in the future?

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thefrugalstudent

29 Aug 2023

Founder at thefrugalstudent.com

If your partner no longer has his own line of credit, his credit score might drop as CBS can no longer assess his credibility.

No telling how long that might take though.

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