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I was looking at this the wrong way. While:
{% url admin:billing_creditcardtoken_add %}?customer={{ user.id }}
…might be somewhat ugly, the only thing added syntax would serve to do is try to construct a query string, which isn’t something one reverses URLs to do normally anyway. So this is an acceptable method of accomplishing this task.
What I was looking for in the second turned out to be:
{% url admin:billing_creditcardtoken_changelist %}?customer={{ user.id }}
…changelist
, as it turns out, does not show a history of changes, but creates a list of possible items to change. Adding the query string applies the proper filter I needed.
Source:stackexchange.com