A credit card authorized user is a person who has permission to use another person s credit card but isn t legally responsible for paying the bill. Once they re added authorized users can get their own credit card with their name on it and they have access to the primary cardholder s credit line.

Can Being An Authorized User Help You Build Credit

Typically the entire account history will show up on the.

Authorized user credit card. Other credit cards might send out targeted offers for a bonus as well. The cards below make it easy and rewarding to add an authorized user. To add an authorized user contact your credit card issuer by phone or by logging on to your online account.

Credit cards that don t charge authorized user fees include. An authorized user can spend on your account if you give him or her a card and use your positive credit history to build credit. The authorized user will see an improved credit score assuming the account is managed responsibly and the primary cardholder earns rewards for the authorized user s purchases.

Chase sapphire preferred card capital one venture rewards credit card bank of america cash rewards credit card and citi. For example in may 2020 the issuer sent out offers for the platinum card from american express giving 5 000 points per authorized user added according to doctor of credit. You ll receive a credit card tied to the account though you won t have all the privileges of the primary account holder.

To make you an authorized user the primary account holder simply adds your name to their credit card account giving you authorization to use it. American express is known for doing that often. An authorized user is someone an accountholder adds to a credit card account.

The card issuer will mail a credit card in the authorized user s name and that person can use the card to make. Authorized users are issued their own credit card with access to your existing line of credit. What is a credit card authorized user.

The card issuer will need the authorized user s personal information including their name address date of birth and social security number to process the request. Should you add an authorized user to your credit card. An authorized user on a credit card is a person who is added to a credit card account by the primary cardholder for convenience and credit building purposes.