How to Add an Authorized User to Your Credit Card
Contents
You can usually add an authorized user to your credit card by calling the issuer and asking them to add the person to your account.
Checkout this video:
Log in to your credit card account online
Log in to your credit card account online. Once you’re logged in, find the section on authorized users. This is usually under “manage account” or “account services.” If you can’t find it, call customer service and they’ll help you locate it.
Follow the prompts to add an authorized user. You’ll likely need to enter the name, date of birth and Social Security number of the person you’re adding.
There may be a fee to add an authorized user, but it’s generally worth it. Adding an authorized user can help improve your credit score and can give the authorized user access to your credit card account in case of emergency.
Adding an authorized user to your credit card is a great way to help build or repair someone’s credit score. And, if you trust the person, it can also help them out in a tight spot. But before you add anyone to your account, make sure you understand what it means to be an authorized user on a credit card.
An authorized user is someone who is allowed to use your credit card, but who is not financially responsible for the debt. The primary cardholder (that’s you) is still responsible for making all payments on time and in full. So, if the authorized user doesn’t make their payment or racks up a huge bill, you’re still on the hook for paying it off.
With that in mind, here’s how to add an authorized user to your credit card:
1. Log in to your credit card account online.
2. Find the section for adding an authorized user. This is usually under “Account Services” or “Access Account.”
3. Enter the necessary information for the person you want to add as an authorized user. This will include their name, date of birth, social security number, and address.
4. Choose whether or not you want to give the authorized user a spending limit. If you do set a limit, make sure it’s an amount that you’re comfortable with them spending.
5. Once you’ve entered all the information, submit it for review. The credit card company will need to run a credit check on the authorized user before they can be added to your account.
6. Once they’re approved, they’ll receive their own credit card with their name on it that they can use just like any other credit card
Depending on the issuer, you may be able to add an authorized user online, over the phone or through the mail. Once you have located the appropriate contact information, you will need to provide some basic information about the authorized user, including their name, date of birth and Social Security number.
Adding an authorized user to your credit card can be a great way to help build credit for someone. But before you add anyone to your account, it’s important to review their information and make sure they meet the requirements for being an authorized user.
The first thing you’ll need to do is confirm that the authorized user meets the age requirements set by your credit card issuer. Most issuers require authorized users to be at least 18 years old, but some may require them to be 21 or older.
You’ll also need to review the authorized user’s financial information. Make sure they don’t have any bankruptcies or tax liens on their record, and that their credit score is in good standing. It’s also important to confirm that the authorized user has a steady income and isn’t currently in debt.
Once you’ve reviewed the authorized user’s information and confirmed that they meet all of the requirements, you’ll need to fill out an application form. This form will ask for basic personal information about the authorized user, as well as their Social Security number and date of birth.
After you’ve completed the application form, you’ll need to submit it to your credit card issuer for approval. Once approved, the authorized user will be added to your account and will be able to begin using your credit card.
Save the changes to your account
Saving the changes to your account is easy. Just log in and go to the “My Account” page. From there, you’ll be able to see all the authorized users on your account and make changes as needed.
