cancel
Showing results for 
Search instead for 
Did you mean: 

Do Credit Cards identify AU purchases?

tag
JJF
Regular Contributor

Do Credit Cards identify AU purchases?

Years ago while living in Charleston, SC I added my fiancé to a credit card as an AU.  What I recall is my bill was divided showing my purchases and her purchases as an AU. ( We did not get married.). I recall having several local bank issued credit cards.

 

15 years later, living in Charlotte, NC, I added my (current) fiancé, then wife, now ex wife to most of my credit cards as AU,  All of my credit cards were national (Chase, Citi, Barclays).  None of these cards identified or divided showing my purchases and her purchases.  All transactions were listed by date with no indication who made the purchase.

 

Do any credit cards separate out AU purchases?  

I have never had joint credit, do these joint credit cards seperate out which card is being used?

Thanks

 

Thanks

Sept 2025 Scorecard
FICO8: EX 825, EQ 824, TU 850
AAoA: 14 yrs 1 mo | AoORA: 38 yrs 5 mo | AoYRA: 3 yrs 5 mo |
Message 1 of 9
8 REPLIES 8
NoHardLimits
Valued Contributor

Re: Do Credit Cards identify AU purchases?


@JJF wrote:

Years ago while living in Charleston, SC I added my fiancé to a credit card as an AU.  What I recall is my bill was divided showing my purchases and her purchases as an AU. ( We did not get married.). I recall having several local bank issued credit cards.

 

15 years later, living in Charlotte, NC, I added my (current) fiancé, then wife, now ex wife to most of my credit cards as AU,  All of my credit cards were national (Chase, Citi, Barclays).  None of these cards identified or divided showing my purchases and her purchases.  All transactions were listed by date with no indication who made the purchase.

 

Do any credit cards separate out AU purchases?  

I have never had joint credit, do these joint credit cards seperate out which card is being used?

Thanks

 

Thanks


Some financial institutions give AU's their own card numbers.  In my experience, I've seen Amex and Cap1 do that.  With different card numbers, it's easy to separate purchases.

August 2026 Scorecard: Clean, Thick, Mature, New Revolver
FICO8:
FICO9:
VantageScore3:
Inquiries (n/12, n/24):
AAoA: 11 yrs | AoORA: 39 yrs | AoYRA: less than 1 yr | New Revolving Accounts: 1/6, 1/12, 3/24 | Revolving Util: 1% | Open loans: 1
Message 2 of 9
Kforce
Senior Contributor

Re: Do Credit Cards identify AU purchases?



Don't have real numbers but from many years of having cards I can say most give no indication which card was used for each purchase.

 

Never had a statement with card's separated and sub total's, etc.

A few institutions have different #'s for AU cards and on line with an additional info about charge will list the card number used, however this does little good when the statement or data dump to "csv" or "quicken" has them all together again.  Smiley Wink

 

 

 

Message 3 of 9
dfwxjer
Established Contributor

Re: Do Credit Cards identify AU purchases?

Chase does not break out AU purchases, but Amex and Citi do. 

Current active cards:
Amex - Platinum, BCP
BofA - Unlimited Cash Rewards Sig
Chase - CSR, Amazon Prime, United Explorer
Citi - Custom Cash, Costco Visa
TCL - $370k
CC utili - 2%
Experian - 818
Message 4 of 9
JJF
Regular Contributor

Re: Do Credit Cards identify AU purchases?

Thank you @NoHardLimits , @Kforce , @dfwxjer  for your help.

Sept 2025 Scorecard
FICO8: EX 825, EQ 824, TU 850
AAoA: 14 yrs 1 mo | AoORA: 38 yrs 5 mo | AoYRA: 3 yrs 5 mo |
Message 5 of 9
yam1rts
Regular Contributor

Re: Do Credit Cards identify AU purchases?


@JJF wrote:

Years ago while living in Charleston, SC I added my fiancé to a credit card as an AU.  What I recall is my bill was divided showing my purchases and her purchases as an AU. ( We did not get married.). I recall having several local bank issued credit cards.

 

15 years later, living in Charlotte, NC, I added my (current) fiancé, then wife, now ex wife to most of my credit cards as AU,  All of my credit cards were national (Chase, Citi, Barclays).  None of these cards identified or divided showing my purchases and her purchases.  All transactions were listed by date with no indication who made the purchase.

 

Do any credit cards separate out AU purchases?  

I have never had joint credit, do these joint credit cards seperate out which card is being used?

Thanks

 

Thanks


Amex does break purchases by AU in their statements.

 

Citibank does for “Citi Costco Visa”

Citibank does NOT for “Citi Double Cash”(AU has same CC number, maybe that’s what determines if they divide purchases by AU)




Starting Score: 789
Current Score: 814
Goal Score: 850


Take the myFICO Fitness Challenge
Message 6 of 9
dfwxjer
Established Contributor

Re: Do Credit Cards identify AU purchases?


@yam1rts wrote:

@JJF wrote:

Years ago while living in Charleston, SC I added my fiancé to a credit card as an AU.  What I recall is my bill was divided showing my purchases and her purchases as an AU. ( We did not get married.). I recall having several local bank issued credit cards.

 

15 years later, living in Charlotte, NC, I added my (current) fiancé, then wife, now ex wife to most of my credit cards as AU,  All of my credit cards were national (Chase, Citi, Barclays).  None of these cards identified or divided showing my purchases and her purchases.  All transactions were listed by date with no indication who made the purchase.

 

Do any credit cards separate out AU purchases?  

I have never had joint credit, do these joint credit cards seperate out which card is being used?

Thanks

 

Thanks


Amex does break purchases by AU in their statements.

 

Citibank does for “Citi Costco Visa”

Citibank does NOT for “Citi Double Cash”(AU has same CC number, maybe that’s what determines if they divide purchases by AU)


Well dang, I never noticed that about the Custom Cash. 

Current active cards:
Amex - Platinum, BCP
BofA - Unlimited Cash Rewards Sig
Chase - CSR, Amazon Prime, United Explorer
Citi - Custom Cash, Costco Visa
TCL - $370k
CC utili - 2%
Experian - 818
Message 7 of 9
Kforce
Senior Contributor

Re: Do Credit Cards identify AU purchases?


@dfwxjer wrote:

@yam1rts wrote:


Amexx does break purchases byAUU in their statements.

Citibank does for Citii Costco Visa”

Citibank does NOT for Citii Double Cash”(AU has same CC number, maybethat’ss what determines if they divide purchases byAUU)


Well dang, I never noticed that about the Custom Cash. 


Now I am curiouss does the Custom Cash break purchases byAU info?

Which camp does it fall in?

 

Message 8 of 9
dfwxjer
Established Contributor

Re: Do Credit Cards identify AU purchases?


@Kforce wrote:

@dfwxjer wrote:

@yam1rts wrote:


Amexx does break purchases byAUU in their statements.

Citibank does for Citii Costco Visa”

Citibank does NOT for Citii Double Cash”(AU has same CC number, maybethat’ss what determines if they divide purchases byAUU)


Well dang, I never noticed that about the Custom Cash. 


Now I am curiouss does the Custom Cash break purchases byAU info?

Which camp does it fall in?

 


My apologies, I checked my custom cash and it does not break out by AU. Only my Costco Citi does. 

Current active cards:
Amex - Platinum, BCP
BofA - Unlimited Cash Rewards Sig
Chase - CSR, Amazon Prime, United Explorer
Citi - Custom Cash, Costco Visa
TCL - $370k
CC utili - 2%
Experian - 818
Message 9 of 9
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.