Ok, allow me to interrupt briefly then . Looking at this for maybe a few hundred at most each month, with a slow buildup for a family member of mine, to assure hitting a spend. Family member would AP to me, and then I would pay the CC directly from the AP receiving account. I don't think there will be any issue (especially as I won't go anywhere near the limit, i will not get even halfway to it) as I have a three way circle where money comes in and goes out and it isn't the same for any one individual part of the circle. Family member and I do have the same address if that is an issue. Let me know your thoughts and also let me know if I've opened my mouth too much!