cancel
Showing results for 
Search instead for 
Did you mean: 

How do you handle your Authorized Users?

tag
disdreamin
Valued Contributor

Re: How do you handle your Authorized Users?


@NRB525 wrote:

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?


Personally I'd never have an AU who wasn't part of the household unless I could set an extremely small CL for them (and frankly, I can't see why I'd ever do it, but that would be the only way I'd be willing to). I don't have the kind of income or discretionary savings where I could allow someone to potentially charge to the credit limit on a card and then pay it off for them. Two of my AUs are younger and have appropriate limits set on their AmEx cards, while my SO has access to the full limit since we co-mingle our finances. The younger ones understand that the card can only be used for certain allowed expenses and that it will be shut off if they abuse their privileges. It probably sounds harsh, but I refuse to be left holding the bag by allowing someone to go wild with my card.

Message 21 of 21
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.