Risk Free – Please explain how?

Even though the cardholder is adding the credit beneficiary as an authorized user, the credit beneficiary cannot use the cardholder’s credit because the credit card is always sent to the cardholder’s address on file (this can be verified with the cardholder’s bank). Also, credit beneficiaries will not have the credit card number, expiration date, name, or 3-digit security code to make purchases online. Neither do we, because we will never ask cardholders to submit information to that level of detail.