cancel
Showing results for 
Search instead for 
Did you mean: 

Authorized User in a Foreign Country

tag
ratchada
Contributor

Authorized User in a Foreign Country

I'm trying to see how feasible an idea I came up with recently is and I'd love some input from others who have done something similar.

 

I support my girlfriend financially. She lives in an Asian country where I used to live (and to where I'll retire in 6 years). She's 52 and is full-time caregiver for her 5 y.o. grandson (not my grandson by blood, but I definitely consider him mine now). I recently had the idea of making her an authorized user on a credit card, which she would use to make everyday purchases (and which I would pay off, reducing the cash I send her monthly via Transferwise accordingly). I live in the US.

 

Note that I'm not looking for any comments about how "unwise" someone thinks it is for me to do this, opinions on whether or not she's trustworthy or not, etc. I know she is; over the 12 years I've known her she's shown herself to be very responsible with money. I thought this would be a great opportunity for her to learn about a type of spending she's not used to (she's had a debit card for years, but never a credit card), to not have to worry about having cash on hand so much, plus of course I'll earn points on her spending Smiley Very Happy.

 

After a bit of research, it seems to me that a good choice for a card is Citi ThankYou Premier. They have a 60,000 SUB right now on three months of 4k spend, which I can easily plow through myself on my next trip to visit her 3 months from now...that's also when I would deliver her AU card to her (as retirement is looming, I only visit once every two years now). The reason I'm thinking about the TYP (I don't have it yet) is that it's a Visa (I myself am partial to Amex, and while there are plenty of places she could use one, there are also many she wouldn't be able to), it has a decent SUB, and from what I've read online, they don't require authorized users to have SSNs. Of course, it also has no foreign transaction fee.

 

So my main question is, would this be something problematic to do with Citi? I have heard of people doing this before, for a relative abroad, etc. I assume I would need to file a very long-term "travel alert" with Citi (a year at a time?), and that until they got used to charges coming regularly from overseas on the card, I expect there would probably be a few denied purchases, etc. that I'd have to deal with. As I said, I trust her to spend responsibly, but nevertheless I would also carefully monitor the card, and set alerts to come in on my phone with every purchase she makes (something I do for my own cards as well). So I'm not really worried about safety...but do you think Citi would be unecessarily so? If so, is there another card issuer that would possibly be less freaked out about it all (one which does not require an SSN for an AU)? BTW, Chase is out, due both to my currently being over 5/24 and also due to their overall finicky nature (though I do bank with them).

 

Anyway, any stories of others' experience with similar setups and DP-related (not conjecture-related, please) pointers on this whole idea and whether or not it's feasible would be greatly appreciated. Thanks!

EX (Fico 8): 755 TU (Vantage 3): 815 EQ (Vantage 3): 791
Amex Platinum; Amex Schwab Platinum; Chase Sapphire Reserve $19,800; Amex Bonvoy Brilliant $16,300; Chase World of Hyatt $12,200; Amex Hilton Aspire $11,500; Citi Double Cash $12,300; Citi Business AA Platinum Select $10,400; Citi AA MileUp $7,700; Citi Premier $2,500; Amex Everyday $5,000; Chase World of Hyatt Business $5,500; Chase Ink Unlimited $8,000; Chase Ink Cash $5,000; Chase Marriott Rewards Premier Plus Business $5,000; Chase IHG Premier $5,000; CapOne Quicksilver One $500
Oldest account: March 2018; Youngest account: July 2023
Store cards: Amazon (Synchrony) $1,000
Goals: EX 760 by middle of 2023
Wanted cards: Barclay Aviator Red; Chase Ink Preferred; Chase Ritz-Carlton
Message 1 of 3
2 REPLIES 2
SBR249
Established Contributor

Re: Authorized User in a Foreign Country

This isn't an AU type situation, but I recently returned from living abroad for a few years and I kept all my cards active the whole time I was there. At first I set up travel alerts for the max they allowed (3 months I recall) but then I got lazy and stopped doing that. My cards were never declined. I have gotten a few "is this you?" emails but the banks were for the most part fine with it. 

 

If you are concerned, you can call them up and explain the situation and how you, as the account holder, are resident in the US and paying the bills. But honestly, that might be more trouble than it's worth. 

 

Edit: I should clarify that though I'm not familiar with internal bank policies, from what I can gather what banks are most concerned about is that the person responsible for repayment continues to be a resident of the US. They can get pretty touchy if they feel like you are planning to run up debts and bail to another country. 

Message 2 of 3
ratchada
Contributor

Re: Authorized User in a Foreign Country


@SBR249 wrote:

This isn't an AU type situation, but I recently returned from living abroad for a few years and I kept all my cards active the whole time I was there. At first I set up travel alerts for the max they allowed (3 months I recall) but then I got lazy and stopped doing that. My cards were never declined. I have gotten a few "is this you?" emails but the banks were for the most part fine with it. 

 

If you are concerned, you can call them up and explain the situation and how you, as the account holder, are resident in the US and paying the bills. But honestly, that might be more trouble than it's worth. 


Thanks, yes, I'm planning to keep all my cards and do just that when I move there in the future. And you're right, I could just explain everything to them (about my girlfriend as the AU), but if I can get it all working smoothly on my own, I'd prefer to avoid that--so yes, it definitely could be "more trouble than it's worth" and maybe even backfire on me.

EX (Fico 8): 755 TU (Vantage 3): 815 EQ (Vantage 3): 791
Amex Platinum; Amex Schwab Platinum; Chase Sapphire Reserve $19,800; Amex Bonvoy Brilliant $16,300; Chase World of Hyatt $12,200; Amex Hilton Aspire $11,500; Citi Double Cash $12,300; Citi Business AA Platinum Select $10,400; Citi AA MileUp $7,700; Citi Premier $2,500; Amex Everyday $5,000; Chase World of Hyatt Business $5,500; Chase Ink Unlimited $8,000; Chase Ink Cash $5,000; Chase Marriott Rewards Premier Plus Business $5,000; Chase IHG Premier $5,000; CapOne Quicksilver One $500
Oldest account: March 2018; Youngest account: July 2023
Store cards: Amazon (Synchrony) $1,000
Goals: EX 760 by middle of 2023
Wanted cards: Barclay Aviator Red; Chase Ink Preferred; Chase Ritz-Carlton
Message 3 of 3
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.