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nate

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#171419 17-Apr-2015 12:14
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My younger brother is heading off on his OE in a few months to Europe.

I'm wanting to give him an emergency credit card just in case he get stuck.  I know that just giving him a credit card I don't use (I have a Westpac one with a low limit, nothing on it) isn't a good idea as it has my name on it and not his - my trip to the USA last year highlighted that most places ask for photo ID when taking credit card.

Don't really want to give him a prepay visa as I don't want to have money sitting on it doing nothing.

Anyone have experience with this?

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rendezvous
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  #1286209 17-Apr-2015 12:37
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A debit visa/mc would probably be useful, in his name. They only cost about $10/year.



johnr
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  #1286210 17-Apr-2015 12:37
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Can I have please?

cisconz
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  #1286211 17-Apr-2015 12:39
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Semble?




Hmmmm




sep11guy
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  #1286220 17-Apr-2015 12:44
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bnz offers one for about 30$ per year, and charged $15 x 2, once back from OE, cancel it 

nate

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  #1286392 17-Apr-2015 15:48
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rendezvous: A debit visa/mc would probably be useful, in his name. They only cost about $10/year.


Am I going to be able to see transactions on it? Or just him?

sep11guy
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  #1286404 17-Apr-2015 15:56
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nate: I going to be able to see transactions on it? Or just him?



if you want to see the transactions, get a partner type CC ( warning : it would have same limit as you , i think ) , with his name, and then both the cards will show up on one statement. and thus you can monitor his activities.



nate

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  #1286420 17-Apr-2015 16:21
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sep11guy:
nate: I going to be able to see transactions on it? Or just him?


if you want to see the transactions, get a partner type CC ( warning : it would have same limit as you , i think ) , with his name, and then both the cards will show up on one statement. and thus you can monitor his activities.


Would that work? We're not really partners, except maybe in Dunedin ;)

 
 
 

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sep11guy
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  #1286421 17-Apr-2015 16:25
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nate:

Would that work? We're not really partners, except maybe in Dunedin ;)



It works 100% with asb, as i myself have one with a partner ( doesnt have to be a partner per say ), so it all depends on what you want to achieve in the end + plus a bit of how much freedom you want them to have + how much you trust them etc. 

jtan
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  #1286424 17-Apr-2015 16:30
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Sounds like what you want/talking about is is a joint or additional card. It would be another separate card - under the name of the person you decided to give it to. The card is linked to your credit card account and would share the same credit limit, depending on what bank you are with the way charges show up on the account may differ. Most banks charge somewhere between $10-30 for a joint/additional card, this is charged per annum.

nate

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  #1286434 17-Apr-2015 16:49
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You guys are awesome :)

We are both ASB customers so might hit them up on Monday about setting this up.  He doesn't go for another month or so, so I've got plenty of time.

1eStar
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  #1286453 17-Apr-2015 16:57
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It sounds like you might have a viable option lined up but another suggestion. ..
grab a 'loaded for travel' debit card from nzpost/kiwibank, put a minimal balance on it. If there's an emergency you can put funds into it at any nzpost/kiwibank as required by simply quoting the card number.

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  #1286542 17-Apr-2015 20:32
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Another thing you can look at is the Westpac Express Card - http://www.westpac.co.nz/credit-cards/debit-mastercard-and-prepaid-visa/prepaid-cards/

B
asically it gives you two cards - you keep one card, and they send the other one to the person who gets the other card.  You top up using the card back home, and they can access the funds using their card.

They also do a travel card which is fee free at a whole heap of ATM brands which is nice too.

mattbush
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  #1286547 17-Apr-2015 20:44
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Wouldnt a phone number to you be just as good?

JimmyH
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  #1286746 18-Apr-2015 11:27
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You definitely don't have to be a "partner" per se to have one of the subsidiary credit cards.

One family member has such a card attached to the primary card of an elderly relative, so that their bills etc can be dealt with when they aren't able to do it. A couple of us check the statements from time to time just to make sure everything is kosher - not that we don't trust them (we absolutely do) but there's sort of an obligation to make sure things are squeaky clean when a relative can't fully manage their own affairs.

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