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Shared Cards

Cardholder User Types

There are three types of users in MyCardRules.
 
  • Primary Cardholder - Adds a card by registering it as their first card or by adding it in the
    Manage Card function, undergoes the full authentication process, and allows full Control and
    Alert capabilities for the card. More than one user can register a card as a primary
    cardholder. Primary cardholder user types can invite others to register the card.
  • Dependent Cardholder with Full Access - Invited by a primary cardholder to register or
    add a card, undergoes an abbreviated authentication process, and allows full Control and
    Alert capabilities for the card. Dependent cardholder users cannot invite others to register the
    card.
  • Dependent Cardholder with Restricted Access - Invited by a primary cardholder to
    register or add a card, undergoes an abbreviated authentication process, allows full alert
    capabilities, and has access to a subset of the Control capabilities for the card:   
    • Can turn a card on or off and set the My Location control.
    • Cannot invite other cardholders to register with the MyCardRules app.
NOTE: The designation as primary or dependent cardholder applies on a per-card basis. A
cardholder can be primary on one card and dependent on another card.
 

Manage Controls and Alerts for Shared Cards

A card can be registered in MyCardRules by multiple users.


  • Two or more users may register the same card if they have the entire card number and
    verification information.
  • Each user who registers a card has full access to controls and is a primary cardholder.
  • There is only one set of controls per card, which are shared by those who register the card.When one user sets or changes a control, the change affects all other users of the card, with
    one exception.
    • All users share the same My Regions, International, Transaction Types, Merchant Types,
      and Spend Limit controls.
      For example, when a user sets the Spend Limit Per Transaction control, the amount
      becomes the limit for all other users. If another user changes the amount, this new amount
      applies to all users.
    • The My Location control can be set and used by the Primary Cardholder. However, if other
      users set My Location on their primary devices, their locations do not affect the Primary
      Cardholder.
    • If one user turns the card off, the card is off for all users. If it is turned on, the card is on for
      all users.
  • It is recommended to coordinate the controls among the users.
  • Alert settings are not shared. Each user may set the alert preferences they want without
    affecting the other users' alert settings.
  • A primary cardholder may share a card with another user by sending an invitation.
    • The person invited to share the card is the dependent cardholder.
      ■ When the primary cardholder shares the card, they designate whether the dependent
      cardholder has full or restricted access to controls.
      ● When full access is given, both primary and dependent cardholders have equal
      access to controls for the card.
      ● When restricted access is given, the primary user has access to all controls. The
      dependent user has access to limited controls.
      ■ Changes to controls affect all cardholders.
      ■ Alerts are not shared. Each cardholder selects their own alert settings.
  • An alert is sent to the primary cardholder whenever the card is registered by a user.
 
To summarize, on shared cards, one set of controls affects the card for all shared users, except
My Location. A change in card control settings generates an alert to shared users. Alerts are not
shared. They are personalized to each user. If one cardholder turns off the shared card, all other
cardholders receive an alert and see the card status as Off in MyCardRules.
 

Sharing a Card

If you are the primary cardholder, you can share your card with a dependent cardholder, who
can then register your card with the level of access you allow them for controls and alerts.
 
1. On the Card Details screen, tap Shared Card Users.
 
My Card Rules main log in
 
NOTE: The Shared Card Users option appears on your Card Details screen only if you are the
primary cardholder user.
 
The Shared Card Users screen displays the existing shared cardholders and allows you to
add shared cardholders.
 
2. Tap Add Shared Card User.
 
My Card Rules shared screen
 
When you tap Add Shared Card User, the Add Shared Card User screen opens.
 
My Card Rules add shared card user
 
3. Enter the required information for the new shared user:
    a) Email Address - Enter the email address of the shared user.
    b) Access Level - Select Full Access or Restricted Access based on the degree of access
        you want to permit the shared card user.
 
4. Tap Send Invite.

An email is sent to the shared card user with complete instructions and a security token. The
token is good for approximately two hours, then it expires.

The shared user needs to complete the registration process for the delegated card using the full
PAN and the security token.