Can an authorized user become the primary card holder?

An authorized user is a person who is authorized to use someone else’s credit account. Any purchases you make on your authorized user credit card become part of the primary cardholder’s credit card balance, and the primary cardholder is responsible for making on-time payments against that balance.

Do authorized users get their own login?

An Account Manager is a type of Authorized User who has near-equal access as you including the ability to set up their own login to manage the account online. Adding a user won’t impact your credit score—only the usual factors like payment history and available credit do that.

How does being an authorized user affect your credit score?

If you have little or no credit history, becoming an authorized user gives you a jump-start. When someone you trust adds you as an authorized user to their credit card, a new account will appear on your credit report. Additionally, all the characteristics of the original account will have an impact on your credit scores.

Who is an authorized user on a credit card?

An authorized user is a secondary account holder on a credit card. These users can make purchases, but aren’t ultimately responsible for payment, unlike a joint account holder or a cosigner would be.

What to do when authorized user account is removed from credit report?

Some credit scoring systems include authorized user accounts in the calculation and others do not. If you are concerned about the impact on your credit history, you should contact the creditors and ask to be removed from the account.

Can a creditor dispute an authorized user account?

Unlike being a joint account holder when you share responsibility for the debt, creditors will typically remove you as an authorized user upon request because you have no responsibility for payment. If you are no longer listed as an authorized user, Experian can dispute the account with your creditor at your request. Thanks for asking.