To think joint accounts shouldn't be subject to MFA?

[LadyJaye]

A thought, based on several threads I've seen on here over the past couple of weeks.

The OH and I use an Amex for D2D stuff, and pay it off in full at the end of the month. Know what each other earns, have joint savings, suited and booted etc.

Today, I went to check the Amex balance and it prompted an MFA (multi factor authentication) check, which meant I couldn't see the balance until he authenticated it from his end.

We're cool - I work in IT/infosec - but this would potentially be dangerous in a controlling relationship, no?

All credit cards have a main cardholder and a sub one though

Is it actually a joint account, or is it a standard account with you as an additional cardholder?

I'd expect a bank to provide MFA options including authentication apps, and hopefully move away from SMS based options.

Then there's no reason both (or multiple devices) can't be used.

As prev poster said- you can’t have a joint Credit card account. It’s his account with you as a named cardholder. With joint bank accounts the MFA goes to the person who initiates the login because you are equal.

I actually moved to Amex when I was a SAHM because they are one of the few cc companies who allowed me to have a card in my name but based on household income (and I think that was only because I was married)

Most credit card accounts aren't joint. One person is liable and the other can use the additional card but it's not joint in the same way as a bank account.

For comparison, I have a joint bank account with DH but our online banking details are separate. So any authentication is sent to me as it's connected to my online activity.

Finally, if someone is financially abusive they will find a way to do it irrespective of the technology.

My bank told me there is no such thing as a joint credit card. You can have a debit card to a joint account but credit cards are different. That was probably the issue: he is the main cardholder for the Amex.

Aren’t they one person’s account thought? My DH has a card on my account but can’t access the online stuff as it’s mine.

Agree with you. If there isn't a joint card, there ought to be. And either cardholder ought to be able to verify.