Hi mikeecho and welcome to the Protected Trust Deeds forum.

As a second card holder it is not you taking out credit. There is no problem from the point of view of a Trust Deed company; it's the primary cardholder and the card issuer who need to be comfortable about that.

On the day that you sign a Trust Deed you need to include all debts. My understanding (which the experts will quickly correct if I am wrong) is that you could use a credit card after having signed a Trust Deed provided that it had a zero balance on the date of signing.

The card issuer may well remove the credit facility if they became aware that you were in a Scottish Trust Deed.

You will also need to be conscious that there will be no allowance made to fund new credit liability repayments as part of your income/expenditure budget during the course of the Trust Deed.

It is an important point though; we at the support team are often asked this question by people who require a credit card for work expenses which are quickly fully reclaimed for example.

Hi Mikeecho

TEA is correct as any liability for the card would fall to the primary card holder.

Mark