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Thread: Ink with co-signer: Who do my points belong to?
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Old Jan 13, 2015 | 6:12 am
  #3  
84fiero
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Join Date: May 2009
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Originally Posted by b1gcat
Hi everyone,

New member here and really excited on all the cool info here. Just found out I have lounge access to 350+ lounges across the world because of flyertalk

Anyways, before anything I was wondering if I actually in theory own all my points. I'm 50/50 business partners with someone but the credit card is under my name (my personal guarantee) he is a co-signer because his credit score wasn't high enough. Is my logic correct in thinking that since I'm taking the credit risk, that the points are mine to use?

P.S. Hope I'm posting on the right thread, looked around and thought this was the best fit for the nature of my question.

Thanks in advance!
What credit card is it? If it's a co-branded card for an airline or hotel, presumably the points/miles are going into one individual account (yours I would assume), at the end of each statement period. If it's a bank proprietary points card such as Citi ThankYou points I'd also assume the primary card holder - but check your CC account agreement and see if it addresses it.

Of course as DirtyDan notes, technically the loyalty program "owns" the miles or points.
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