Adding an Authorized User
To add an authorized user, contact your credit card issuer by phone or by logging on to your online account.
The card issuer will need the authorized user’s personal information, including their name, address, date of birth, and social security number, to process the request.
Can I add someone to my credit card to build their credit?
Simply Adding an Authorized User Won’t Affect Your Credit
There is no indication on your individual report that there are authorized users associated with the account. So, simply adding authorized users to your credit card accounts will not have a negative effect on your credit report or credit scores.
Can I build my credit by being an authorized user on a credit card?
Yes, authorized users do build credit. You can actually build a good or excellent credit score just as an authorized user on a credit card. When you become an authorized user, the account is added to your credit report, which means on-time payments by the primary cardholder will help you build good credit history.
Can I add my wife to my credit card?
Adding your spouse as an authorized user is simple. Call the credit card company, ask it to issue a card to your spouse on your account, and you’re done. When the card arrives, your spouse can use it to make purchases on your account. Paying your bill on time then improves her credit history as well as yours.
Does removing an authorized user hurt credit?
Being removed as an authorized user can hurt your credit score if the account is removed from your credit report. If you’re the primary account holder, removing an authorized user won’t affect your credit score.