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Frequent Contributor
Posts: 272
Registered: ‎12-28-2011
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Adding and managing AUs for different cards

So far every time I have been getting a new card I've been asking to add my wife as an AU (I have no issue with that, we share all money-related matters :-) just in case, remembering one of the recent threads, lol). It has always been a very smooth process, almost no questions asked, almost all done automatically. 

From what I noticed, all AU cards just have the same credentials (number, exp date, even CVC/CVV), but different name. Some lenders don't even ask for the date of birth so just for fun I ordered a card for my 3 yrs old son (I imagine him getting his card at his 16th birthday with Member since ... date on it...). 

The bad side of this is that I don't see the way of looking clearly after the spendings on those cards. Maybe I missed something, but from what I see BoA, Chase, Discover, Cap1 do not show charges from the main cardholder and AU cards separately and the only exception is Amex that has issued my wife a card with a new number, let her register her own online ID and basically use this card in a way that she can use any card that she opened for herself as a main cardholder... I haven't checked this, but it also seems that I can set some spending limits on AU cards and do some other stuff like this from my online banking. 


Long story short, my questions are rather simple:

1) What lenders provide similar "AU-friendly" experience, as Amex? (separate card number, separate online banking etc). Or Amex is the only one like that?

2) What would happen if my wife loses a wallet with an AU card having the same number as mine? Will it automatically mean that I'll have to close both cards and reissue them?

3) Any other thoughts I should keep in mind in relation to these AU cards? Does it influence how they are reported on her CR?


Many thanks! 

In my wallet now: Amex PRG NPSL, Amex BCE $15k $17k (thanks to recent CLI), Chase Freedom 11k, CSP $6k, Chase United ME $5k, Citi Dividend $5.6k, Discover It $4.5k and a handful of other cards...
TU Dec 2013 - 752Sep 2013 - 764 - new all time maximum

Obsolete data &colonSmiley Wink Current TU - probably around ~750. I am now applying only for cards I can have fat sign-up bonuses on, repay them right away and close before next year. That's why BKLSBNKDELAWARE probably blacklisted me long ago, LOL...
Super Contributor
Posts: 7,534
Registered: ‎12-11-2011
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Re: Adding and managing AUs for different cards

Well, hopefully you'll get someone with a lot more expertise than me, but ....


2) I know at least for cap1 (they changed my acct # due to fraud alert) that the number changed, but it just changed the entry on my CR to show the new number, it doesn't show as a closed account and then a new opened account, and if Cap1 of all people can do this, I assume some other lenders can as well Smiley Very Happy


3) Just remember if you get something bad, like a 30+ day late payment, that will also ding all of her reports. As an AU you inherit both the good and bad history of the account. 

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