RainingLogic-
Easy there Chief. Why so hostile?
Having the crew pay their own expenses and then get reimbursed is not uncommon in the industry, at least in the US. Not sure how long you have been around this biz but if you recall TAG Aviation (US) was an industry leader. I worked for TAG for many years and this is how they managed crew expenses.
Although I fly for one individual I am "employed" by a large aircraft management company who processes my expense reports along with 100's of others every week. I don't hear many complaints about the system.
Yes, I do have a dedicated credit card with a high limit but this is a requirement for employment where I work. Your remark about questionable hiring practices doesn't fly as a credit check is done for all applicants and if one can't qualify for high limit credit one is not going to get the job. Good credit is often associated with good character.
Sometimes my monthly cc bill exceeds $5K and my expense reports match. What's so hard about managing that?