You can ask someone to
add you as an authorized user on a credit card.
Some of the easiest ways to begin building credit are to ask a parent to
add you as an authorized user on one of their credit cards or to apply for a secured credit card yourself.
I did some research and had my parents
add me as an authorized user on their 15 year old Discover account 14k limit like two weeks ago.
I added her as an authorized user on 10/1 and all I gave AMEX was her name and date of birth.
When someone
adds you as an authorized user on their credit card, this card then shows up on your report as yours, while also remaining on their report as theirs.
Authorized User: You can ask a trusted family member or friend to
add you as authorized user on a credit card — ideally with a high limit, low balance and positive payment history.
Some of the easiest ways to begin building credit are to ask a parent to
add you as an authorized user on one of their credit cards or to apply for a secured credit card yourself.
Someone I hardly know
added me as an authorized user on his credit account.
If you have a friend or family member who is willing to
add you as an authorized user on their credit card, you can piggyback off their credit card activity to build your credit.
«Dear Steve, When my son was in school
I added him as an authorized user on my Chase Credit card he is now 32 he bought a home and the credit report said he was a cosigner...
You can potentially give your credit a boost by having a friend or family member
add you as an authorized user on their account.
Tip: As a young person wanting to establish a credit history, one option is to ask a responsible parent if you could be
added as an authorized user on one of their cards.
You can be
added as an authorized user on your spouse's account.
If you are unable to open a new account of your own, have someone you know and trust
add you as an authorized user on one of their credit cards they keep in good standing with a low balance.
If you are close with someone with good or excellent credit, you can always ask them to
add you as an authorized user on their account.
If you are
added as an authorized user on another person's account, you can enjoy the benefits of using the card without the official financial responsibility of paying the credit card's balance.
Another way to boost your credit score is to have someone
add you as an authorized user on their credit card that they've had for a long time and responsibly paid.
Some might suggest that you get a friend or family member to
add you as an authorized user on their card, but that can be dangerous.
So, if you have a spouse, relative, or close friend with good credit who is willing to
add you as an authorized user on his or her account, you're in luck!
Piggybacking is a technique that allows consumers with good credit to help boost other's credit scores by
adding them as authorized users on accounts.
One avenue for building your credit history is being
added as an authorized user on a credit card held by a friend or relative, Bakke says.
Even your best friend might not want the risk of
adding you as an authorized user on a credit card account.
You can also ask a family member or close friend who has a credit card to
add you as an authorized user on his account.
How to boost low score to qualify for a mortgage — One option is to be
added as an authorized user on a family member's card... (See Mortgage)
Some people use their credit cards only for emergencies, like I have a daughter in college, she's at University of Texas at Austin, and
I added her as an authorized user on one of my longstanding credit card accounts.
It's often forgotten, but you can ask a loved one to
add you as an authorized user on an existing credit card account.
In the meantime, I can be
added as an authorized user on Megan's card.
(For many, even being
added as an authorized user on a credit card has counted against them so watch out for that.)
Megan still needs to call Chase to have
them add me as an authorized user on her account, which will put that shiny metal card back in my wallet, but I don't expect any problems.
I had kept
adding him as an authorized user on my cards since they didn't ask for a SSN so I assumed it wasn't going on his credit report.
If you have been
added as an authorized user on another personal credit card, that will be reported on your personal credit card, unfortunately.
If your teen doesn't qualify for a credit card of their own yet, you can
add them as an authorized user on your account.
You can be
added as an authorized user on your spouse's account.
If you want to earn rewards when she buys something, the most sensible way to go would be to
add her as an authorized user on one of your credit cards.
I was recently
added as an authorized user on an American Express Platinum card.
You can either
add him as an authorized user on your account or co-sign for his own card.
One quick fix used by first - time home buyers to boost their credit score is to have an older family member with a sound credit rating
add them as an authorized user on a credit card.
Not exact matches
Having a parent or friend
add you
on to their card
as an
authorized user can help you work towards a higher credit score, but there are some potential downsides.
The easiest way to do that is to get
added as an
authorized credit card
user on someone else's account.
Provisions For
Authorized Users: Here, as provided by the major card issuers, are details on the age restrictions, if any, for adding an authorized user
Authorized Users: Here,
as provided by the major card issuers, are details
on the age restrictions, if any, for
adding an
authorized user
authorized user to a card.
Someone with good credit history can
add you
as a co-signer or
authorized user to immediately give you credit history
on your credit report.
Remember, they can make purchases at any time, but they are not directly responsible for making payments
on the card, so you'll want to be very careful in choosing whom to
add as an
authorized user.
Adding your child
as the
authorized user on your credit card is a smart way to help him or her start building credit.
In my last article about
adding an
authorized user, I actually did a test case where I
added my girlfriend (now fiancee)
as an AU
on my Amex Gold card -LSB-...]
If I became an
authorized user on my spouse's Visa card, would they use her start date for calculating my new average age, or would it be
as of the date I was
added as an
authorized user?
If you do
add your son or daughter (or other family member)
as an
authorized user on your credit card, you need to make sure you keep the card in good standing.
This post originally appeared October 26, 2017
on CreditCards.com
as ««Will
adding myself
as authorized user to spouse's card boost my score?»
The pros:
Adding your child
on your credit card account
as an
authorized user is the option preferred by NFCC's Cunningham.
Even if you've opened zero cards
on your own in the last two years, Chase can still deny you if you've been
added to five cards
as an
authorized user.
Once you're
added as an AU (
authorized user)
on someone else's account, the credit card company will report the credit card
on your report to the 3 credit bureau with all the credit history.