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What is family card functionality?
Family card functionality makes it easier for clients with multiple cards and cardholders to manage their Visa® personal credit card accounts. Through our Credit Card Online service, the Primary Account Holder* on an account, can establish and manage spending limits and usage for each authorized user on the account. As a result of this functionality, each card issued under an account is assigned a unique number. This has the benefit that if a card is lost, stolen, or compromised, only that card needs to be replaced (as opposed to all cards under the account).
How can I add authorized users to my credit card account?
You can include your authorized users on your application when you apply for a City National personal credit card. If you already have a City National personal credit card account, you can add additional users by calling us at the telephone number listed on the back of your card, or contact your Relationship Manager.
I currently have a City National credit card account. When family card functionality is introduced, will I need to get a new card, with a new number?
As a result of family card functionality, all cardholders on the credit card account will be issued a new card. The Primary Account Holder's* card number will not change. However, for all other cardholders the new card will have a new and unique number. If have a City National Visa Platinum with City National Rewards®, Visa Signature® or Crystal Visa account, the new cards will also contain an EMV/Chip, a new feature we are adding to these cards.
What happens if a card is lost, stolen or compromised?
As each cardholder has a unique card number, if a card is lost, stolen or compromised, only that card needs to be replaced. The replaced card will have a new number. All other cards are unaffected and do not need to be replaced. Prior to the implementation of family card functionality, all cards needed to be replaced as they all had the same card number. Please be sure to report any lost or stolen card as soon as possible by calling (877) 529-0473.
The functionality is called "family card". Does that mean that the functionality is only available to the Primary Account Holder's* family members that have cards under the account. Or, can non-family member cardholders benefit as well?
With family card functionality, the Primary Account Holder* has the ability to set individual spending limits for any authorized users on the account, whether the authorized user is a son, daughter, housekeeper, or other individual. Additionally, separate cards can be established under the account to segment and track different types of purchase transactions (such as online purchases on one card and all other purchases on another card).
As the Primary Account Holder*, how do I manage the cards issued to authorized users under my account?
Through our Credit Card Online service you can monitor and manage the cards issued to authorized users.
How do I get started using family card functionality on my account? Is there a guide for utilizing this functionality on Credit Card Online?
There is a guide available on Credit Card Online to help you get familiar with the functionality.
What is Family Manager?
Family Manager is the online functionality to manage the cards under your account. "Family Manager" appears as its own tab on Credit Card Online and is only viewable by the Primary Account Holder*.
Can authorized users make payments to their cards using Credit Card Online?
If payment ability is granted by the Primary Account Holder*, authorized users can make payments to their individual cards via Credit Card Online. The Primary Account Holder can either allow or deny this ability on a per card basis.
Is there a minimum or maximum spending limit that a Primary Account Holder* can give to an authorized user?
There is no minimum spending limit that a Primary Account Holder can give to an authorized user. The maximum spending limit is the amount of the Credit Limit or Credit Access Line, as applicable, assigned to the credit card account by City National.
I only have one authorized user on my credit card account and do not want to manage the spending limit on his/her card. Do I need to do anything?
No. If you do not wish to manage or set any spending limit on any authorized users' cards, you do not need to do anything. By default, the family card functionality assigns to all cards the Credit Limit or Credit Access Line, as applicable, assigned by City National to the account. The only difference with the family card functionality is that now each card issued to a cardholder under an account will have a unique number, thereby allowing the Primary Account Holder, at his/her option, to set spending limits and take advantage of the other benefits afforded by the functionality.
*If the personal credit card account has multiple account holders (excluding authorized users), the Primary Account Holder is the individual first named in the name and address section on the billing statement.