BofA CR: Pull payment from non-cardholder checking... - Page 2 - myFICO® Forums

wasCB14 · ‎09-14-2020

@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.

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE

Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.

FalconSteve · ‎09-14-2020

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.

1/8/17 Discover $18300 CL- $1k SL- AU, no longer on reports b/c of error (wife's card)
1/26/20 AmEx Cash Magnet $35k CL (wife's card)
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $17,400 CL, $2900 SL- AU- (wife's card)
3/8/20 Wells Fargo Propel AmEx $5000 CL (AU, wife's card, not on CR b/c I was temporarily removed as an AU)
3/9/20 BB&T/Truist Rewards $11k SL- AU, not on reports- impulse app (wife's card)
3/21/20 REDcard MasterCard (TD Bank) $2500 SL, $6000 CL
11/24/20 AmEx Cash Magnet $10k SL, CLI after 36hr to $20k- $35k CL
6/10/21 SoFi World Elite MC (TBOM) $7000 SL
1/19/22 AppleCard/GS $10k CL, SL $6k SL AU, wife
8/15/22 Chase freedom $10.3k wife (not an AU yet)

Credit Scores for both of us around 800, depending on what you pull & balances. All PIF, frequently before statement close

wasCB14 · ‎09-14-2020

@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.

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE

Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.

NRB525 · ‎09-14-2020

@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
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

wasCB14 · ‎09-14-2020

@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.

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE

Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.

Loquat · ‎09-14-2020

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 · ‎09-14-2020

@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?

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE

Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.

FalconSteve · ‎09-16-2020

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

1/8/17 Discover $18300 CL- $1k SL- AU, no longer on reports b/c of error (wife's card)
1/26/20 AmEx Cash Magnet $35k CL (wife's card)
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $17,400 CL, $2900 SL- AU- (wife's card)
3/8/20 Wells Fargo Propel AmEx $5000 CL (AU, wife's card, not on CR b/c I was temporarily removed as an AU)
3/9/20 BB&T/Truist Rewards $11k SL- AU, not on reports- impulse app (wife's card)
3/21/20 REDcard MasterCard (TD Bank) $2500 SL, $6000 CL
11/24/20 AmEx Cash Magnet $10k SL, CLI after 36hr to $20k- $35k CL
6/10/21 SoFi World Elite MC (TBOM) $7000 SL
1/19/22 AppleCard/GS $10k CL, SL $6k SL AU, wife
8/15/22 Chase freedom $10.3k wife (not an AU yet)

Credit Scores for both of us around 800, depending on what you pull & balances. All PIF, frequently before statement close

dssgaffler · ‎09-16-2020

@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.

BofA CR: Pull payment from non-cardholder checking?

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

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

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

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

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

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

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

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