BofA CR: Pull payment from non-cardholder checking?

[wasCB14]

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@FalconSteve wrote:

Technically, you aren't supposed to do this, but I have done it dozens of times, maybe hundreds, without issue.

It's like someone handing you their credit card and telling you to buy something. As long as you have the owner's permission, they aren't going to challenge it and the banks don't care.

I apid my Dad's Visa, he paid my card, etc, never an issue in 20 years

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Though according to your signature, you're an AU on your Dad's BofA cards. So that's not quite as much of a stretch as our case where she is not a BofA customer.

[FalconSteve]

I'm not an AU on his Chase card and was able to do it without issue. Mostly, companies are just happy to get paid

I believe I did it once with one of his BoA cards before I was an AU too, but that was a long time ago.

[wasCB14]

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@NRB525 wrote:

Chase has a new credit card going live, "Freedom Flex". 
200 clams as a sign up bonus.  
Might be worth a suggestion to DM.  

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She has a 5x one already and I'll tell her to upgrade when it launches. She also has a Costco Visa so the PC to a Flex MC won't leave her Visa-less for Costco shopping.

[NRB525]

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@wasCB14 wrote:

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@NRB525 wrote:

Chase has a new credit card going live, "Freedom Flex". 
200 clams as a sign up bonus.  
Might be worth a suggestion to DM.  

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She has a 5x one already and I'll tell her to upgrade when it launches. She also has a Costco Visa so the PC to a Flex MC won't leave her Visa-less for Costco shopping.

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Good for her. 
Q: Why do you have to do the online shopping order?

If this is bought on a site that takes PayPal, she can get 5% after Oct 1. 

[wasCB14]

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@NRB525 wrote:

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@wasCB14 wrote:

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@NRB525 wrote:

Chase has a new credit card going live, "Freedom Flex". 
200 clams as a sign up bonus.  
Might be worth a suggestion to DM.  

---

She has a 5x one already and I'll tell her to upgrade when it launches. She also has a Costco Visa so the PC to a Flex MC won't leave her Visa-less for Costco shopping.

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Good for her. 
Q: Why do you have to do the online shopping order?

If this is bought on a site that takes PayPal, she can get 5% after Oct 1. 

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Mainly to use my Amazon Prime free shipping. Plus ShopRunner. When Citi Price Rewind was a thing, that too.

As far as PayPal...again, I emphasize she is a very slow adopter of stuff like that. While PayPal (and Zelle) are not complicated by general MyFico standards, they are too complicated for the purpose of this topic.

[Loquat]

My wife and I have separate bank accounts and I've pulled from her account thousands of times over the years for cards not I'm AU on. Never once a problem.

[wasCB14]

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@Loquat wrote:
My wife and I have separate bank accounts and I've pulled from her account thousands of times over the years for cards not I'm AU on. Never once a problem.

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Presumably you mean cards she isn't an AU on?

Including BofA cards when she isn't a customer?

[FalconSteve]

Sorry, that wording was confusing:

I've pulled payments from my account for cards of my wife's I'm not an AU on as well as cards of my Dad's that I'm not an AU on

[dssgaffler]

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@Loquat wrote:
My wife and I have separate bank accounts and I've pulled from her account thousands of times over the years for cards not I'm AU on. Never once a problem.

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Agree with this.  If a checking account has joint owners, often times only the JOF (primary account holder) information is provided to the requesting bank, and the likelihood of a bank using non-automated resources to cross-reference ownership of payment accounts to credit card accounts is not very high.