@Repo-ed wrote:Just so long as you make them an AU, but don't give them a card to use.
I don't think that's something the lender has control over. That's something you work out between you and the person you're putting as an AU... and for the OP's plan, it doesn't work at all, befause the additional cardholder is there simply to goose rewards by running their own financial life through there.
Amex may take exception to it, or they may not, since the AU is in no way, shape, form, or fashion liable for the charges. Personally I wouldn't do it, but Lambo's exposure is basically the same as Amex's: $200. *shrug* We're not talking about someone walking away from a maxxed 25K credit line.
Why would that look bad to them when that's exactly what they wish every one of their customers did?
They get paid by transaction: the more you use the card, the more profitable a customer you are. It wouldn't be rational for them to take issue with it unless they felt you were somehow engaging in criminal activity... but since they see exactly where the transactions are billed to, that shouldn't present a problem.
You're worried about nothing, it's a $200 hard limit card. This is their: "well we think you're going to suck as a customer but we'll give you a chance anyway and see how you do" card (that incidently I hope to be able to get in another 7 months, I'm not disparaging you or the card, just posting the lender's perspective). The issues they have to worry about with folks on an internal 10K spending limit are absolutely not the same at your $200 limit.
