HOW TO HANDLE AUTHORIZED USER PAYMENT

Discussion in 'American Express | Membership Rewards' started by longroller, Nov 29, 2012.  |  Print Topic

  1. longroller

    longroller Active Member

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    I have just recently added an authorized user to my PRG card, the first month I paid the whole statement and they gave me a check as reimbursement. Now if they log in and pay for their charges for last month this should leave the amount owed by me, correct?

    Also does this create a problem making two payments or is everything ok as long as I pay off the rest by due date?

    Just want to make sure i don't end up with missed or late payment. Since their charges showed up on my statement was not sure how to work it.
     
  2. MX

    MX Gold Member

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    Submitting multiple payments creates absolutely no problems. I've even read a claim that if you divide your total monthly payments into several increments, it may trick your credit score higher over time. But I rather doubt it.
     
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  3. longroller

    longroller Active Member

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    Thanks, I have made multiple payments myself but never with an authorized user also making payments was just wondering how it works.
     
  4. deant
    Original Member

    deant Milepoint Guide

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    Key is that YOU are still responsible for the on time payment. If the authorized user does not make the payment, you will get stuck with the late fees - and the hit to your credit score.

    If you are concerned about them making the on time payment, why not have them get their own card under their SS number?
     
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  5. DTWBOB

    DTWBOB Silver Member

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    What multiple payments do is keep your average unpaid balance that much lower, so the portion of your line of credit that you're using is lower ad nauseum.

    DTWBOB
     
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