Sorry that this is in the wrong place, but what's the fastest way to go about transferring my 75K AMEX MR from my account to someone else's El Matmid account with a different last name. Do I need to call up and add them as an authorized user on the business. I did that yesterday with a couple of people, and they still don't show up online. Do I have to wait until I physically receive their Amex card?