Originally Posted by
anabolism
If you have more than one passenger, you can create the record with all passengers, and then when ready to ticket you can split the record and use a different credit card for each passenger. The downside is that when there are schedule changes, cancellations, delays, and similar issues, it is more work to keep everyone flying together. But creating the record with all passengers and then splitting it makes this easier than starting a new record for each passenger.
Not sure how AA RTW desk works specifically, but generally in Sabre (or Amadeus) there's no problem for a multi-pax PNR to have each passenger pay by his own card (or just a different card).