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If your credit card charges you a yearly fee for extra cardholders it could really add up. Compare credit cards with free additional cardholders.
Most people will have an extra cardholders added to their account because it is convenient for them, they extra cardholder doesn’t earn enough money on their own or they are too young. A husband may get an extra card for his wife (or vice versa) or a mum or dad will get an extra card to give to their 18 year old teenage son or daughter. In a business, directors often get extra cards to give to trusted employees as a way of managing their expenses.
The primary cardholder has full responsibility for the spending of the additional cardholder(s).
No, in Australia only the primary cardholder interacts with the credit reporting system.