Originally Posted by
NotSoMuch
If I had to guess, the most problematic point would be consistent large payments from the supplementary cardholder's bank account. Since I never had any AUs -- I am kind of surprised they allow transfers from anyone apart from the principal cardholder.
Since the primary account holder will be liable for all charges and AU has been paying instead. There is little record of the main account holder's ability to pay. The AU can decide to put a bunch of charges on the card and then disappear without a trace. Amex (or any other lenders) may see this as a high risk.
Makes sense. But if this is what happened, why seize the points and not refund at least the pro-rated annual fee? It's not like fraud was committed. It's just a risk factor got flagged.
(FWIW, I know someone whose cards were canceled last year, but points were not seized. In fact, she was given 30 days to transfer them out).