Yes, this is absolutely true. One must be choosy when it comes to taking an add-on card. The reason for this is that the add-on card’s expense behaviour and bill payments have an impact on the primary card holder’s credit history and credit score.

Thus, you must get an add-on card for an individual who you know will not keep spending unnecessarily, without a care for the credit being consumed. You must take an add-on card for a person who is trustworthy and knows how to use the card responsibly and carefully.