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@FinStar wrote:
If there's a perceived risk (depending on your tolerance level) then you can make that decision to remove them. It's all about an element of trust (after all you did add a 'bunch' of them in the first place).
This about hits the nail on the head. If its working then fine, but keep in mind it can change at a moments notice and that's on you. Never lend anything you're not willing to lose. Hope that helps. Cheers!
If they're on one of your Amex cards you can also set an individual spending limit for them. I have a friend as an AU on my platinum, strictly for lounge access. Even though I've known them over 20 years and tthey have a FICO over 800, I still keep it at $200 in order to minimize problems if it's lost or stolen.
I'm not sure if your AUs are employees using the cards for business purposes, or you're giving them as a favour. In general though, if Capital One won't give someone credit, neither will I. The good news is that being an AU on your cards for a while now should help them get a card of their own - my partner is always getting pre-qual offers from Capital One by being an AU on mine.