Second, if there is a problem with the transaction, your credit card company's protections may not apply since
only authorized users on the account should be allowed to make purchases.
Explain to the supervisor that you believe you are
only an authorized user on the account and, therefore, not financially responsible.
Not exact matches
Make sure every
account is either crossed out (
authorized user), checked off (
on time
only), or marked for late payments.
Only small number of lenders don't like when cardholders have
authorized users on their
account.
To avoid scrutiny, it is best to
only become an
authorized user on the
account of someone you have a close connection to — your parents, your spouse, a housemate.
Dear Amy, Not
only is it legal to report
account history that predates you becoming an
authorized user, it's based
on a legal requirement.
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.
The
only consumers that are likely going to see an increase in their credit scores are those that are listed as an
authorized user on negative
accounts or
accounts that have balances that are close to the credit limit.
However this is
only eligible for primary and
authorized users on the
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.
Cathleen McCarthy:
Authorized users can't access rewards without special permission — If you're an authorized user on someone's credit card, the only way you can access the rewards points for the purchases you've made is if the primary account holder gives you special access... (See Authorized users an
Authorized users can't access rewards without special permission — If you're an
authorized user on someone's credit card, the only way you can access the rewards points for the purchases you've made is if the primary account holder gives you special access... (See Authorized users an
authorized user on someone's credit card, the
only way you can access the rewards points for the purchases you've made is if the primary
account holder gives you special access... (See
Authorized users an
Authorized users and rewards)
Starting November 15th, when you transfer points to participating frequent travel programs, you can
only transfer points to yourself or an owner of the company who is listed as an
authorized user on your card
account.
I was once able to help a client with a credit score around 680 get approved for both Chase Freedom cards when the
only accounts on their credit report were two
authorized user accounts (one was
on a Chase card).