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BofA CR: Pull payment from non-cardholder checking?

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Super Contributor

Re: BofA CR: Pull payment from non-cardholder checking?


@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


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.

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, Freedom x 2, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCE, EDP
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 11 of 19
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Valued Member

Re: BofA CR: Pull payment from non-cardholder checking?

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.

REDcard $2500 SL
BB&T $11k SL- impulse application
BB&T $11k SL- AU, not on reports- impulse app (wife's card)
Discover $2800 CL- $1k SL- AU, no longer on reports b/c of Experian error (wife's card)
Citi Double Cash World MC $2900 SL- AU- (wife's card)
AmEx Cash Magnet- $3100 SL (wife's card)
BoA Cash Rewards $11k CL- AU (Dad's card)
BoA Premium Rewards $12.3k CL- AU (Dad's card)
PSECU Founder's Card $30k SL- AU (Dad's card)
All PIF, frequently before statement close

Goals: Buy a house & get approved for an AOD VISA Signature card (3% cashback)
Message 12 of 19
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Super Contributor

Re: BofA CR: Pull payment from non-cardholder checking?


@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.

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, Freedom x 2, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCE, EDP
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 13 of 19
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Super Contributor

Re: BofA CR: Pull payment from non-cardholder checking?


@wasCB14 wrote:

@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.


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. 

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
Message 14 of 19
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Super Contributor

Re: BofA CR: Pull payment from non-cardholder checking?


@NRB525 wrote:

@wasCB14 wrote:

@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.


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. 


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.

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, Freedom x 2, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCE, EDP
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 15 of 19
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Moderator

Re: BofA CR: Pull payment from non-cardholder checking?

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.
Message 16 of 19
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Super Contributor

Re: BofA CR: Pull payment from non-cardholder checking?


@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.

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

 

Including BofA cards when she isn't a customer?

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, Freedom x 2, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCE, EDP
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 17 of 19
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Valued Member

Re: BofA CR: Pull payment from non-cardholder checking?

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

REDcard $2500 SL
BB&T $11k SL- impulse application
BB&T $11k SL- AU, not on reports- impulse app (wife's card)
Discover $2800 CL- $1k SL- AU, no longer on reports b/c of Experian error (wife's card)
Citi Double Cash World MC $2900 SL- AU- (wife's card)
AmEx Cash Magnet- $3100 SL (wife's card)
BoA Cash Rewards $11k CL- AU (Dad's card)
BoA Premium Rewards $12.3k CL- AU (Dad's card)
PSECU Founder's Card $30k SL- AU (Dad's card)
All PIF, frequently before statement close

Goals: Buy a house & get approved for an AOD VISA Signature card (3% cashback)
Message 18 of 19
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Established Member

Re: BofA CR: Pull payment from non-cardholder checking?


@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.

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.

Discover IT $25k | AMEX BCP $25k | PenFed Power Cash $25k | US Bank Cash+ $20k | Citi DC $19k | Chase Amazon $17k | Chase Freedom $16k | Barclays Hawaiian $15k |
Message 19 of 19
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