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John was the fourth of John and Anna Carter's five children. The family were based in Yokohama while John Carter Snr was serving in the Merchant Navy in the area. When he died of tuberculosis in 1885 the family returned home, settling in Willesden.
John joined the Prudential Assurance Company in 1899, working in West London. After some time he transferred to the District Office in Darwen, Lancashire. In July 1911 a further transfer brought him to Bromley where he was the chief clerk to the superintendent of the Bromley District. While in Darwen John met Hilda Monk who he married on 10th September 1912 at St Alkmund parish church, Derby.
John joined the Royal Garrison Artillery on 9th June 1916, he was described as being 6ft tall. He was sent to France on 20th November 1916 where he died four months later.
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