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Secondary credit cards are a very BAD idea ! Responsible usage of the card remains the 'problem' of the primary account-holder. If YOU misuse the card - THEY take the consequences ! If you fail to make payments on time (or miss a payment) - THEIR credit rating suffers ! Most credit card companies will issue cards to people with bad credit history - they just charge a higher interest rate, and give you a low credit limit.

Once you prove you can be responsible with the account (by making the payments on-time and staying within your credit limit) - they'll usually lower the interest rate, and increase your limit.

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Q: If you have been given a credit card as a secondary card holder and have bad credit will this help rebuild your credit or is it all reported on the primary cardholder history?
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