You hear but you don't understand. If you did then you would understand what @th0306 was saying as well.
I am not sure how to make this more clear. The AU does not owe any money to the bank at all. Zero. Nothing. The only one in debt is the cardholder. If the cardholder does not pay the AU can still just tell the bank that he doesn't owe them anything and it is done. This is why an AU account should not be on your CR. If he does not owe anything then how is he getting money from the bank? He is borrowing for the CH. AKA a shliach.
The way I understood what you were saying was that it can't be the AU is a לוה of the bank because the definition of a מלוה is that they can collect from the לוה. Which over here they can't collect from the AU.
But I thought you were saying the AU borrows
from the cardholder not
for the cardholder.
The only time I can understand that he's borrowing for the CH is by let's say an employer gives an employee a card to buy stuff for him. But by let's say a parent makes a child a AU to use for whatever they want I would think it's different.
(The way you're saying it works avoids something else I was thinking about. If he's borrowing from, what exactly is he borrowing)
My head is starting to spin already
What do suppose is the intended use of an AU?
The examples above. I don't think it says anywhere in the cardholder agreement that a AU is only to buy stuff for the CH.