What information is needed to be an authorized user?

All you need is the person’s name, date of birth and, in some cases, their Social Security number. There are no restrictions regarding the authorized user’s age. But just because you can add someone as an authorized user doesn’t mean you should.

Does an authorized user have to activate a credit card?

Soon after, either you or the authorized user will receive a new card in the mail. It will need to be activated just like any other card. Once you add an AU you’ll be able to set spending limits for that account, if the issuer offers this feature.

Does it cost money to add an authorized user on a credit card?

Each card issuer may have a different process for adding and removing authorized users to a credit card account. Adding an authorized user can help you earn more rewards and keep track of spending all on one account. There’s no additional cost to add a user to your account.

How do I add an authorized user to my credit card?

You can usually add an authorized user by logging in to your credit card account online. Authorized users get their own cards, which can be used just like a regular credit card, but the primary cardholder is always responsible for the account balance.

What do you need to know about authorized users?

Authorized users will get copies of the original card, and can use it just like any other credit card. Here’s a summary of everything you need to know about authorized users: Legal liability: Only the primary cardholder is legally liable for paying the credit card debt.

What happens when an authorized user is added to your credit report?

If an authorized user card is added to your credit reports, your scores might benefit from the account in several ways. First, being added onto a credit card with low utilization could lower your own overall credit utilization ratio if you currently have outstanding balances on other cards.

Can a business card be used as an authorized user?

In general, the rules that apply to authorized users of personal, consumer credit cards also apply to authorized users of business cards (though many business card issuers won’t report normal account activity to the personal credit bureaus ).