@Anonymous-own-fico wrote:
Being an authorized user means you are authorized to use the card. If the primary card holder doesn’t pass on the card to the intended user, it would violate the purpose for which the card was issued. It would contradict the spirit of the whole business transaction. The intent of the card issuer was never for the primary card holder to withhold the card, which could be seen as a breach of contract, a violation of the whole premise for issuing the card. Such piggybacking is viewed as a loophole, and even FICO 08 has taken steps to limit such behavior. No, of course it’s not unethical or illegal, lol. Just call up the card issuer and ask!
I recently got married and when my wife and I added each other as AU's on our accounts, many of the issuers had a question on the form as to whether or not we wanted a card to be sent to the AU. Why would they give the option of not having a card sent to the new AU if it violated the terms of the contract?
