Here we explains PC Financial’s policy on multiple accounts and authorized users, outlining how your spouse can either may add to your existing account or apply for their own independent card.
PC Mastercard Additional Cardholders and Separate Accounts Official Policy on Multiple Accounts
- PC Financial does not allow issuing multiple primary PC Mastercard accounts to the same individual or household.
- However, you can add authorized users (additional cardholders) to your existing PC Mastercard account.
- The authorized users, including a spouse, get their own card link to the primary account with full access but share the same credit limit.
Additional Cardholders
- You can add up to four additional cardholders to a PC Mastercard account at no extra cost.
- Authorized users can make purchases and earn PC Optimum points on the primary account.
- The primary cardholder fully responsible for all transactions made by authorized users.
- Authorized users have access to account information and transaction history but cannot request changes like increases in credit limit or account closure independently.
Getting a Separate PC Mastercard for Your Spouse
- Your spouse can apply for their own, independent PC Mastercard account if they qualify based on credit approval, income, and other eligibility criteria.
- Each person must meet the application requirements separately, joint accounts are not offered.
Ref: pcfinancial.ca/en/how-many/
Summary Table
| Option | Details |
|---|---|
| Additional Authorized User | Up to 4 per account, shared credit limit, no fee |
| Separate PC Mastercard Account | Spouse must apply, meet credit/income requirements |
Now, you have a clarity about the query, So, no joint accounts, but you can add your spouse as an authorized user or have them apply for their own card.