Does an authorized user need a credit check?

Authorized users usually won’t run into this problem, as there’s generally no credit check involved. The authorized user strategy is common for parents who want to help their children build credit.

Can I add my fiance as an authorized user on my credit card?

Yes, you can easily add your boyfriend, girlfriend or anyone else as an authorized user to your credit card account, but the real question is: Should you? Once you add an authorized user, he or she will have the ability to use the card to make any charges at any time.

Should I add my boyfriend as an authorized user?

Adding your significant other as an authorized user allows them to make purchases on your account — but they won’t be responsible for paying the bills. If your boyfriend or girlfriend doesn’t have a credit history and you want to help, you can share one of your accounts.

How does being an authorized user affect your credit score?

If you find your score is in the 700s, you may want to think twice before you go forward. Adding a new credit instrument such as a secured card for which you are personally responsible will have more of a positive impact on your credit than being an authorized user.

Can a family member be an authorized user on a credit card?

If that family member is added as an authorized user on your account, and you both use the card responsibly for a period of time, that family member’s credit score could eventually begin to climb. Adding someone as an authorized user may help your score as well in some instances.

Is it good to have an authorized user on your account?

Adding an authorized user to an account can help someone build credit, but only if the user and the primary cardholder manage the credit card well.

How to build credit as an authorized user?

However, you can take several steps to begin building and repairing your credit score. One of the easiest ways to do this is to become an authorized user. What is an Authorized User?