How about we just look at the reference?
FAM 1016-7-1 http://cfo-dpf.mil.ca/en/policy-procedure-fam/1016-7-1-acquisition-cards.page (DWAN)
Contracting 3. The issuance of an acquisition card is not a delegation of contracting authority as defined in DAOD 3004-0, Contracting or the Delegation of Authorities for Financial Administration for the DND or CF.
4. Purchases on the acquisition card shall not exceed the contracting authority of the person approving the purchase as indicated in the Delegation of Authorities for Financial Administration for the DND and the CF. Also, before entering into a contract to spend public funds, RC Managers are responsible for ensuring that the contracting policy has been followed and commitment controls are in place. Refer to FAM Chapter 1016-2, Expenditure Planning and Initiation – Financial Administration Act (FAA) Section 32 for additional information.
5. If a Responsibility Centre (RC) Manager wishes to assign contracting authority to a cardholder, he/she shall complete the applicable section of the acquisition card request form. The RC Manager shall indicate the financial and functional limitations assigned to the cardholder, not to exceed the maximum limits delegated to the RC Manager. Completion of this section will provide the cardholder with the authority to make purchases on behalf of the RC Manager as a Responsibility Centre Administrator without the need for pre-authorization for each purchase. If the RC Manager has not assigned contracting authority to the cardholder, the cardholder can only procure if the RC Manager gives written authority prior to each purchase.
Who Can Be a Cardholder? 16. Throughout this FAM Chapter, the term “cardholder” refers to an individual who is in possession of a:
a. standard acquisition card; or
b. corporate acquisition card that has been signed out to them for temporary use.
17. Subject to the general restrictions set out in paragraph 21 below, the following individual may be a cardholder:
a. DND indeterminate employee;
b. DND term employee with six (or more) months of continuous employment;
c. Canadian Forces (CF) member of the Regular Force; CF Reserve Force Class B and Class C member with a minimum of six months service;
d. indeterminate government employee of other departments and/or governments seconded or assigned to a DND position; or
e. locally engaged personnel abroad (hired as full time departmental employees).
Usage
18. An acquisition card can only be used by a cardholder for authorized government purchases in accordance with the:
a. terms and conditions of the acquisition card contract as stipulated throughout this FAM Chapter;
b. limitations established by the RC Manager; and
c. contracting authority of the individual authorizing the purchase.
19. The acquisition card shall not be used for:
a. personal use;
b. obtaining cash advances;
c. travel-related expenses; or
d. vehicle operating and maintenance expenses within Canada and the Continental United States.
20. There are certain goods and/or services that cannot be purchased by RC Managers for safety, compatibility or life cycle reasons. Examples include hazardous material, weapons, ammunition, etc. Prior to initializing any purchase, RC Managers shall ensure they have the authority to purchase the goods based on their description. For more detailed information, RC Managers should contact their local supply section.
Requesting an Acquisition Card
Process 32. The following table illustrates the process to request a card:
The … Shall …
Card applicant (standard card only)
or
Custodian (corporate card only) a. read, complete and sign Section 1 of:
(i) Annex A for a standard acquisition card; or
(ii) Annex B for a corporate acquisition card;
b. complete the BMO MasterCard Acquisition Card – Employee Account Request Form or the CIBC - Government of Canada Purchasing Card Cardholder Application Form; and
c. forward both the Annex and the completed credit card provider application form to the RC Manager for approval.
Horrible formatting aside, Binrat55 you can see there is no requirement to have any courses done. The holding accountable comes from the RC Manager not the individual with the Acq Card. It will be rare to find folks without the courses as they are good PD but it does happen.