Being an authorized user is an easy way to get a new credit card without the credit check.
One problem is that some credit cards charge an annual fee for authorized users.
Of course, that doesn’t mean every authorized user gets charged a fee.
Even if you pay a fee, the benefits can be worth the cost.5 days ago
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.
Is an authorized user liable for debt?
Authorized users are not held liable
The good news is that most credit cards do not hold an authorized user responsible for any debt incurred on the card.
Does adding someone as an authorized user help their credit?
While you are responsible for the purchases and activity of the authorized user on your account, simply adding them won’t affect your credit one way or another. So, simply adding authorized users to your credit card accounts will not have a negative effect on your credit report or credit scores.
What’s a authorized user?
Being an authorized user means you can use someone else’s credit card in your name. You can make purchases and use the card as if it were your own, but you’re not the primary account holder. As an authorized user, you’re not legally responsible to pay the credit card bill or any debts that build up.