Which Credit Card Companies Report Authorized Users?
American Express, Discover, MasterCard, and Visa all report authorized users to the credit bureaus. If you’re considering adding an authorized user to your credit card, find out which credit card companies report authorized users before you make your decision.
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Discover
Yes, Discover reports Authorized Users to the credit bureaus. You can see this on your credit report as an “Account started date.”
Adding an authorized user to your Discover credit card account is a great way to help them build their credit history. And, as the primary account holder, you can control how much credit they have access to.
To add an authorized user, log in to your account and visit the “Account Services” tab. From there, select “Add an Authorized User” and enter the required information. Once you’ve added the user, they’ll be able to make purchases with their own credit card, but all activity will appear on your account statement.
If you’re ever unsure about whether or not a particular credit card company reports authorized users, you can always contact customer service for more information.
American Express
lets you add authorized users to your account, and the authorized user’s activity will appear on your credit report. This can be helpful if you’re trying to help build credit for someone, such as a family member. Discover and Chase don’t currently report authorized user activity to the credit bureaus, so if you’re looking to help someone build credit, those might not be the best options.
Yes, American Express reports authorized users to the credit bureaus. This means that if you are an authorized user on someone else’s American Express card, your credit score could be impacted if they make late payments or miss payments entirely. If you’re trying to build or improve your credit score, it’s important to consider becoming an authorized user on a friend or family member’s card who has good payment history.
It’s easy to add an authorized user to your American Express account. Here’s how:
Log in to your account online and go to the “Account Services” tab.
Click on “Add an Authorized User.”
Enter the name, date of birth, and Social Security number of the person you want to add as an authorized user.
Click on “Submit.”
Adding an authorized user allows another person to use your account to make purchases, but doesn’t give them access to your account information or allow them to make changes to your account.
Chase
Chase reports authorized users to the credit bureaus, which means that authorized users can improve their credit scores by piggybacking on Chase cardholders with good credit. If you’re looking for a way to help improve your credit score, Chase is a good option to consider.
Yes, Chase does report authorized users to the credit bureaus. This means that if you are an authorized user on a Chase credit card, your credit history will reflect your activity on that card.
You can add an authorized user to your Chase credit card account by calling customer service or by logging in to your account online. You will need to provide the authorized user’s name, date of birth, and Social Security number. Once the authorized user is added, they will be able to make purchases with the card and will be responsible for making payments on the account.
Citibank
Citibank reports authorized users to the credit bureaus, so if you’re looking to add someone to your account to help them build credit, this is a good option. Just keep in mind that authorized users are responsible for their own charges, so you’ll want to make sure the person you add is someone you trust.
Citibank does report authorized users to the credit bureaus. This means that if you are an authorized user on a Citibank credit card, the account activity will show up on your credit report.
Adding an authorized user to your credit card account allows another person to make purchases using your credit card.Authorized users can help you build credit, but they also can damage your credit score if they don’t make payments on time or max out the credit limit.
To add an authorized user to your Citibank account, login to your account online and follow these steps:
1) Hover over the “Products & Services” tab and click “Credit Cards.”
2) Click on the card you want to add an authorized user to.
3) Scroll down and click “Add an Authorized User.”
4) Enter the information for the authorized user, including their name, date of birth, social security number, and email address.
5) Click “Add User.”
The authorized user will now be able to make purchases with your credit card. You will be responsible for any charges that they make.
Capital One
Capital One reports authorized users to the credit bureaus, so it can help build credit for those who are just starting out. Capital One also offers a variety of other credit products that can help build credit.
Yes, Capital One reports authorized users to the credit bureaus. This means that authorized users will generally have the same credit score as the primary cardholder. If you’re considering becoming an authorized user on someone else’s credit card, be sure to check with the issuer to see if they report authorized users to the credit bureaus.
Adding an authorized user to your Capital One account is a great way to help them build credit. And, as the primary account holder, you can control how much credit they have access to.
If you’re a current Capital One customer, you can add an authorized user by logging in to your account and going to the ‘My Accounts’ page. From there, select ‘Add an Authorized User’ and follow the instructions.
If you’re not a current Capital One customer, you can open an account and add an authorized user at the same time. Just select ‘Add an Authorized User’ when prompted during the online application process.
Barclays
Users of the Barclays credit card can add an authorized user to their account, and the authorized user will receive their own card that is linked to the account. The authorized user will have the same credit limits and privileges as the account holder. Barclays will report the authorized user’s activity to the credit reporting agencies, and the authorized user will build their own credit history.
You may be considering becoming an authorized user on someone else’s credit card in order to improve your credit score. But before you do, it’s important to know that not all credit card companies report authorized users to the credit bureaus.
Barclays is one of the credit card companies that does report authorized users to the credit bureaus. This means that if you become an authorized user on a Barclays credit card, your activity on the account will be reported to the credit bureaus and will be factored into your credit score.
Before you become an authorized user on a Barclays credit card, make sure you understand how it could impact your credit score. If you’re not sure whether Barclays reports authorized users, you can always contact customer service to ask.
It’s easy to add an authorized user to your Barclays credit card account. You can do it online, by phone, or by mail.
To add an authorized user online:
1. Log in to your account
2. Click on the “Account Services” tab
3. Click on “Add an Authorized User” under the “Account Management” section
4. Enter the necessary information about the authorized user
5. Click “Submit”
To add an authorized user by phone:
1. Call customer service at 1-866-916-0118
2. Say “add an authorized user” when prompted
3. Follow the instructions from the customer service representative
To add an authorized user by mail:
1. Fill out and sign the “Add an Authorized User” form (you can get this form from customer service or online)
2. Include a copy of the primary cardholder’s driver’s license or other government-issued ID
3. Mail the form and ID to: Credit Operations, PO Box 13337, Philadelphia, PA 19101-3337
Wells Fargo
At this time, Wells Fargo does not report authorized users to the credit bureaus.
Adding an authorized user to your Wells Fargo credit card account is a great way to help build credit for someone who doesn’t have any credit history, or to help improve the credit score of someone who does have a history but needs a little boost.
To add an authorized user, you will need to provide some basic information about the person you want to add. Once you have that information, you can either call customer service or log in to your online account and follow the instructions.
If you are adding an authorized user for the first time, you will need to provide:
-The full name of the person you want to add
-Their date of birth
-Your relationship to them
-Their Social Security number or Individual Taxpayer Identification Number
-Your contact information, including your address, phone number, and email address
If you are adding an authorized user who already has a Wells Fargo credit card, you will need to provide:
-The full name of the person you want to add
-Their date of birth
-Your relationship to them
-The account number of their existing Wells Fargo credit card
USAA
Among the credit card companies that report authorized users to the credit bureaus, USAA is one of the most popular. USAA reports authorized users to all three of the major credit bureaus: Experian, Equifax, and TransUnion. This means that if you’re an authorized user on a USAA credit card, you can potentially improve your credit score by adding that card to your credit file.
At this time, USAA does not report authorized users to the credit bureaus.
Adding an authorized user to your USAA account is a great way to help build credit for yourself or a loved one. As the primary cardholder, you’re responsible for making sure that all charges on the account are paid on time and in full. But, as an authorized user, you’ll be able to use the account to make purchases and help improve your credit score.
Here’s how to add an authorized user to your USAA account:
1. Log in to your online USAA account.
2. Click on the “Credit Cards” tab.
3. Find the credit card you want to add an authorized user to and click “Add Authorized User.”
4. Enter the information for the authorized user, including their name, date of birth, and SSN.
5. Click “Submit.”
Once you’ve added an authorized user, they’ll be able to use their own card to make purchases on your account. Just remember that you’re ultimately responsible for all activity on the account, so be sure to monitor it closely.
