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AU's using my account?

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Closingracer99
Valued Contributor

AU's using my account?

Curious into will AA happen onto my acounts? I have a friend as an AU on two of cards which I don't use at all really and basically he just gives me the cash and I pay the banks with my bank account.


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 1 of 10
9 REPLIES 9
Discover2016
Valued Contributor

Re: AU's using my account?

Are the cards Amex's? Those I believe are the most likely to AA for AU exclusive usage. Well not really AA, but F/R.

Gardening until September 2025
Next app: Mortgage in September 2025
Message 2 of 10
Loquat
Moderator Emeritus

Re: AU's using my account?


@Closingracer99 wrote:

Curious into will AA happen onto my acounts? I have a friend as an AU on two of cards which I don't use at all really and basically he just gives me the cash and I pay the banks with my bank account.


In the almost 2 years that I've had my Venture, I've swiped it twice that I can think of.  My wife is an AU and swipes her card all the time, like daily.  CapOne couldn't care less (or at least they haven't as of yet).  Seems like the only thing they care about is if the bill is being paid on time. 

Message 3 of 10
Kutuzov
Frequent Contributor

Re: AU's using my account?

I got a friend of mine as AU on a Capone cc, he's the main user nowadays, I only use it once or twice a month no problems as of yet.
Gardening since 03/25/2016. Discover FICO 705 (4/21/16).
Discover It 2000, Barclay Ring 7100, Capital One QS 7000, Amazon sc 6000, Chase AARP 2500, Barclay Rewards 500
Message 4 of 10
Anonymous
Not applicable

Re: AU's using my account?

As long as you are not abusing the AU feature, you should be fine.

Message 5 of 10
Closingracer99
Valued Contributor

Re: AU's using my account?


@Anonymous wrote:

As long as you are not abusing the AU feature, you should be fine.


So I shouldn't be worried? I am letting him use my BCE and NFL cards since I dont use them. 


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 6 of 10
Anonymous
Not applicable

Re: AU's using my account?


@Closingracer99 wrote:

@Anonymous wrote:

As long as you are not abusing the AU feature, you should be fine.


So I shouldn't be worried? I am letting him use my BCE and NFL cards since I dont use them. 


It is a risk for sure.  How close are you to this friend?  Do you know where he/she shops? His/her spending habits? You are better friend than me as I won't be able to do that with my credit.. You just never know even with close friends and a very very suspicious me would be froth with worry. Not a chance /risk I'd personally be am willing to take.

 

As long as you have every confidence in this person, then I'd chill and keep fingers crossed they don't do anything nutsy.

Message 7 of 10
myjourney
Super Contributor

Re: AU's using my account?


@Closingracer99 wrote:

Curious into will AA happen onto my acounts? I have a friend as an AU on two of cards which I don't use at all really and basically he just gives me the cash and I pay the banks with my bank account.


1-3 you're fine 

4 and above they look closer at you and the AU's 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 8 of 10
Closingracer99
Valued Contributor

Re: AU's using my account?


@Anonymous wrote:

@Closingracer99 wrote:

@Anonymous wrote:

As long as you are not abusing the AU feature, you should be fine.


So I shouldn't be worried? I am letting him use my BCE and NFL cards since I dont use them. 


It is a risk for sure.  How close are you to this friend?  Do you know where he/she shops? His/her spending habits? You are better friend than me as I won't be able to do that with my credit.. You just never know even with close friends and a very very suspicious me would be froth with worry. Not a chance /risk I'd personally be am willing to take.

 

As long as you have every confidence in this person, then I'd chill and keep fingers crossed they don't do anything nutsy.


With any other Friend I wouldn't But I trust him with it. Has always paid me back and for me it shows usage on the card. Just wondering is it risky where I am at risk for FR/AA?


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 9 of 10
Closingracer99
Valued Contributor

Re: AU's using my account?


@myjourney wrote:

@Closingracer99 wrote:

Curious into will AA happen onto my acounts? I have a friend as an AU on two of cards which I don't use at all really and basically he just gives me the cash and I pay the banks with my bank account.


1-3 you're fine 

4 and above they look closer at you and the AU's 


1-3 per account? I have him on three cards but with 3 different banks.


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 10 of 10
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