I'm used to posting in the Trick It thread so I know sometimes the line can be overstepped without even trying . I was pretty sure it would be ok as none of CC/AP/my bank as me would know about both of the other two, and seems far less aggressive than some other things I've read here, never mind what people don't ever mention . I don't plan to make this a regular thing (because I can't transfer to the family member for other reasons), but just wanted to assure that the spend would be hit. Thanks!