Hi jpn:
I think 2 payment form is acceptable. In the payment form, the example reiterates it.
My worry is whether your friend just multiplied the risk factory by 2.
We got one incident where an applicant included RPRF in the form; later on when he realized, RPRF not require, he reduce the credit limit for charging the correct processing fee. However, CIO tried to charge with the amount include RPRF.
So, scenario could be, if one card don't work, application could be rejected. And, scenario 2, they charge both of the cards.
So, asked your friend to keep both the card into vaults ensuring increased credit limit.