My son wants to use my credit card to purchase a gun online to be shipped to local FFL for him to fill out the NICS paperwork and pick it up. Is this possible i.e. for me to pay the out of state seller but then have my son essentially complete the purchase at the local FFL?
Disclaimer: I do not state the following as fact as I am not an attorney. I do state this as common sense logic.
That will probably not go too well as you will technically be the purchaser if your credit card is being used. I say this as I ran into a similar situation in Florida a few years ago. My father wanted to buy a rifle for me while we were together in the store. I would have filled out the paper work, had the background check done for me but the store said NO to having my father pay for it with his credit card. Even though it was a 100% legit situation for us, it may not be viewed that way by the firearms Gods, thus looks like a potential "straw purchase". And quite frankly, I can't blame them for saying no. If it passed the smell test to the dealer because we were both there together but later was picked up after the fact as a potentially dodgy transaction/red flag, they would have a lot of explaining to do and not worth putting their FFL at risk. The easy solution was I paid for it on my credit card and pop gave me a check. Problem solved, case closed.
If you want to double check, go into a local shop with your son and ask them if they would sell him a firearm and let you pay for it on your credit card. See what they say. In such a highly regulated transaction and process, the names should match on all respective documents. Easy solution, let your son put it on his credit card. If he doesn't have a credit card to use, then he probably shouldn't be buying a firearm.