My first instance of having an AU was to add my now-wife to my Lowes card earlier this year. In that case, all the charges show up on my log in to the Sync Lowes account.
Adding her as an AU on my new Freedom Flex card, not sure how the charges she makes will be visible on my card? On my Chase log in? Also on hers?
What is your experience with Authorized Users, since often these seem to be outside the household? Are different banks handling the tracking of AU charges differently?
@Anonymalous wrote:It's worth remembering that authorized users are not responsible for the charges on the card. If you give someone an AU card, then you're responsible for paying it off, not them. So even if your financial institution allows your AU to login and see the charges from their account, that's just a bonus. You're the primary, and it should always be visible (and payable) from your account.
Yes, but that is the crux of my question. If people give friends an AU card, what are some of the agreements these cardholders have with their AU? At the least it would seem a regular communication between the cardholder and AU would be necessary.
How do you keep separate, and yet coordinated, the arrangement that the AU needs to pay their charges? Does the cardholder statement distinguish the AU balance separately? School me .
@Remedios wrote:
@Anonymalous wrote:It's worth remembering that authorized users are not responsible for the charges on the card. If you give someone an AU card, then you're responsible for paying it off, not them. So even if your financial institution allows your AU to login and see the charges from their account, that's just a bonus. You're the primary, and it should always be visible (and payable) from your account.
There isn't a single lender that doesn't show all transactions for primary cardholder.
Some, like Amex, will not show transactions to AUs that were made by primary cardholder.
Does that mean some banks will let the AU see the primary cardholder charges? Or the AU only sees the overall utilization on the card to be aware when the limit is nearing?
Is AMEX allowing the primary cardholder to allocate a portion of the limit for the AU to see and utilize?
@Remedios wrote:
@NRB525 wrote:
@Remedios wrote:
@Anonymalous wrote:It's worth remembering that authorized users are not responsible for the charges on the card. If you give someone an AU card, then you're responsible for paying it off, not them. So even if your financial institution allows your AU to login and see the charges from their account, that's just a bonus. You're the primary, and it should always be visible (and payable) from your account.
There isn't a single lender that doesn't show all transactions for primary cardholder.
Some, like Amex, will not show transactions to AUs that were made by primary cardholder.
Does that mean some banks will let the AU see the primary cardholder charges? Or the AU only sees the overall utilization on the card to be aware when the limit is nearing?
Is AMEX allowing the primary cardholder to allocate a portion of the limit for the AU to see and utilize?
Chase, it's a single login, yours. If you want your AU to see charges, either you show it to them or you give them login.
Disco, US Bank, Cap One are same as Chase, basically at your discretion.
None of them allow setting different spend limit for AU, nor do they allow separate login. I think Citi is same, but don't quote me on that one.
Amex lets AU set up separate log in, they only see their charges. You can set spending limit for AUs and they can make payments using their login. They do not see charges primary account holder made.
Wow, this is eye opening in a rather frightful way. DW has her own Chase log in, so I guess we will explore whether she sees the AU card once issued. I'm not at all concerned about the charges in this case, since we are married, but I'm scratching my head how anyone would want a non-family member, someone who is only a friend, to be AU.