KY

KY Business Credit Cards

Manage My Account

Manage Account Users

Your business card program allows for three different levels of administrative access.

Authorized Officer (AO)

The Authorized Officer is typically the business owner, president, partner, vice president, or treasurer and is authorized to enter into binding agreements on behalf of the business.

  • Must be a cardmember.
  • Full authority to make updates, changes, or requests for the business card program.

The AO can be changed by calling Cardmember Service. The new AO is subject to underwriting approval.

Authorized Representative (AR)

Authorized Representatives are individuals who are given the authority to perform many administrative tasks on behalf of the AO or company.

  • Not required to be a cardmember.
  • Has authority to make many updates and changes; please see “Who Can Do What” for details.

The AO can add an AR to the account by calling Cardmember Service or by sending in the Authorized Representative form.

Employee Cardholder

Employees can be issued cards to help manage business expenses.

  • Each cardholder has a unique credit card account number, a separate spending limit, and has access to their individual account information.
  • An Authorized Officer can add employee cards by logging into their business card profile at usbank.com. From the Customer Service tab at the top of the page, select Self Service and then Manage Employees. You may also call Cardmember Service.

Action

Authorized Officer

Authorized Representative

Employee

Address Change: Company

Yes

Yes

No

Address Change: Individual Cardmember

Yes

Yes

Yes

APR Requests

Yes

Yes

No

Card Activation

Yes

Yes

Yes

Card Order

Yes

Yes

Yes

Close Entire Program

Yes

Yes

No

Close Individual Account

Yes

Yes

Yes

Credit Balance Refund

Yes

Yes

Yes

Request Credit Limit Change: Program

Yes

No

No

Spending Limit Change: Individual Cardmember

Yes

Yes

No

Dispute Transaction

Yes

Yes

Yes

Fee Reversals

Yes

Yes

Yes

General Account Information

Yes

Yes

Yes

Letter Requests

Yes

Yes

Yes

Report Card Lost or Stolen

Anyone can report a card lost or stolen. Only a Cardmember, AO, or AR can order a card.

Anyone can report a card lost or stolen. Only a Cardmember, AO, or AR can order a card.

Anyone can report a card lost or stolen. Only a Cardmember, AO, or AR can order a card.

Payments: Setup, Change, Delete

Anyone can set up, change, delete, or make a payment.

Anyone can set up, change, delete, or make a payment.

Anyone can set up, change, delete, or make a payment.

Phone Number Change: Company

Yes

Yes

Yes

Phone Number Change: Individual Cardmember

Yes

Yes

Yes

Statement Request

Yes

Yes

Yes

Temporary Line Increase: Company

Yes

Yes

No

How can I set up or change the Authorized Officer or Authorized Representative?

You can set up, change, or remove an Authorized Officer or Authorized Representative by calling the Cardmember Service number on the back of your card. See the “Three Levels of Access” page for details.

Can we have more than one Authorized Officer or Authorized Representative?

Only one Authorized Officer is allowed. You can have more than one Authorized Representative.

How does an employee become a cardmember?

The Authorized Officer or Authorized Representative can call the Cardmember Service number on the back of the card to set up employee business cards over the phone. You will need the employee’s legal name, date of birth, and Social Security number.