topic Re: Chase: Separate Limit for Authorized User? in Credit Cards

Chase: Separate Limit for Authorized User?

bch238 — Tue, 10 Mar 2015 09:35:08 GMT

I sent a secure messagee to Chase, but I figure I might get a quicker reply here. I added my teenage daughter to my CSP as an authorized user primarily so she will have a card when traveling on school trips. Will Chase permit an AU account to have a limit different/lower than the primary cardholder? I know AmEx permits this, but since my kid will be traveling outside the US, I would prefer she have a more widely accepted Visa.

Re: Chase: Separate Limit for Authorized User?

Anonymous — Tue, 10 Mar 2015 09:38:53 GMT

Only Amex from what I've read. See this article: http://www.nerdwallet.com/blog/tips/credit-score/credit-card-spending-limit-for-authorized-users/

Re: Chase: Separate Limit for Authorized User?

Anonymous — Tue, 10 Mar 2015 12:04:10 GMT

@bch238 wrote:
I sent a secure messagee to Chase, but I figure I might get a quicker reply here. I added my teenage daughter to my CSP as an authorized user primarily so she will have a card when traveling on school trips. Will Chase permit an AU account to have a limit different/lower than the primary cardholder? I know AmEx permits this, but since my kid will be traveling outside the US, I would prefer she have a more widely accepted Visa.

I dont think Chase does this. You can move limits around since you have more than one chase card though. I think I will do this for my little sister for when she leaves to go to college. I want her to have a card, but not something with more than a few hundred dollars on it.

Re: Chase: Separate Limit for Authorized User?

takeshi74 — Tue, 10 Mar 2015 12:22:38 GMT

There's no way to do so. Chase AU's have the same card number as the original account holder.

AU's with AmEx receive entirely entirely different card numbers.

Re: Chase: Separate Limit for Authorized User?

Anonymous — Tue, 10 Mar 2015 16:47:30 GMT

@takeshi74 wrote:
There's no way to do so. Chase AU's have the same card number as the original account holder.

AU's with AmEx receive entirely entirely different card numbers.

While I agree with the conclusion, I don't the card number issue matters. Looking at for example my Citi statement, each transaction is tagged with the person who made it (as that data is on the mag stripe or chip) so if they chose they could presumably allow separate CLs per user.

Re: Chase: Separate Limit for Authorized User?

mxp114 — Tue, 10 Mar 2015 18:27:04 GMT

Capital One also allows individual spending limits for AU and unique account numbers, but these could be features on select cards not sure. I actually wish all the issuers offered at least unique account numbers, especially useful for organizing totals due and online purchases.

Re: Chase: Separate Limit for Authorized User?

DantGwyrdd — Tue, 10 Mar 2015 22:08:31 GMT

@mxp114 wrote:
Capital One also allows individual spending limits for AU and unique account numbers, but these could be features on select cards not sure. I actually wish all the issuers offered at least unique account numbers, especially useful for organizing totals due and online purchases.

That's nice to know. Is this something you can do online (AU spending limit) or something you have to call in for?

Re: Chase: Separate Limit for Authorized User?

bch238 — Wed, 11 Mar 2015 11:44:38 GMT

Confirmed by Chase, separate limits for an AU not possible. Thanks for the replies.