A few months ago, I signed up for and received a Qantas American Express Ultimate Card. I ordered a secondary card for my wife.
All has been going pretty well, except when the time comes to pay the bill. Looking at the PDF statement, debits are split into different areas depending on which card was used, yet credits are grouped together with no indication of where they've come from. When looking at the account online, debits can again be separated by the card used, whereas all credits are instead allocated to the primary card holder. For example, assume that the primary card holder has spent $200 and the secondary card holder $100, but the secondary card holder has also paid $100 to cover their spending. The section of the website titled 'Activity By Card Member' would show:
Card Member Debits Credits
—————- ——— ———-
(Primary member) $200 $100
(Secondary member) $100 $0
As you can imagine, this makes it difficult to figure out who owes what at the end of the month.
Making a payment is done via BPAY, where the money is transferred to AmEx's biller code, and the account code is the number on the card (different for the primary and secondary card holders). I could be wrong, but I would think this means AmEx knows exactly which card has received the credit. Why it isn't shown separately I have no idea.
My questions are: does this sound right to you, and do other banks treat payments made to secondary cards the same way? I've spoken to 3 different people at AmEx; the first said that there is no problem and it's working as intended, the second said payments made to the secondary card should absolutely show separately from those made to the primary card, and the third person agreed with the first.