You can potentially give your credit a boost by having a friend or family member
add you as an authorized user on their account.
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.
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.
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.
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.
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 either
add him as an authorized user on your account or co-sign for his own card.
Not exact matches
The easiest way to do that is to get
added as an
authorized credit card
user on someone else's
account.
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.
Someone I hardly know
added me
as an
authorized user on his credit
account.
The pros:
Adding your child
on your credit card
account as an
authorized user is the option preferred by NFCC's Cunningham.
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.
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
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.
In this case, it won't count
as an open and active line of credit for you and might not appear
on your credit report, since
as an
authorized user, you are only being
added as a signer and do not have financial responsibility for the
account.
Many parents will
add a child
as an
authorized user on a credit
account, ensuring they have access to money in case of emergency or to help them start building a responsible relationship with credit.
Parents with poor credit history should think twice before
adding children
as authorized users on their
accounts — not for the sake of themselves but for the sake of their children.
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!
Even your best friend might not want the risk of
adding you
as an
authorized user on a credit card
account.
Add your teen
as an
authorized user on your credit card
account.
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.
The pros and cons of being an
authorized user While being an
authorized user on a credit card does not prevent you from getting that same credit card and sign - up bonus down the road in your own name, it can complicate matters a bit, so we generally don't
add each other
as authorized users on most new card
accounts.
If you can, look into being
added as an
authorized user to an older
account, especially if it's
on a Chase card.
You can be
added as an
authorized user on your spouse's
account.
I wouldn't go
as far
as adding your child
as an
authorized user on your credit card
account.
Get a $ 150 bonus after you spend $ 500
on purchases in the first 3 months * Plus earn a $ 25 Bonus after you
add a friend or family member
as an
authorized user to your
account in the first 3 months *
Get a $ 150 bonus after you spend $ 500
on purchases in the first 3 months Plus earn a $ 25 Bonus after you
add a friend or family member
as an
authorized user to your
account https://applynow.chase.com/FlexAppWeb/renderApp.do?SPID=FGKR&CELL=6RLK&AFFID=&CLICK=&CID=&PROMO=DF01&MSC=1507019957
What's especially strange here is that it is no longer possible to broker American Express points (without
adding the person you want to give your points to
as an
authorized user on your card
account).
, and then
add each other
as authorized users on each
account to earn any additional bonus points that might be offered for doing so.