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?
You can be added as an authorized
user on your spouse's account.
Getting married does not automatically make you a co-signer or even an authorized
user on your spouse's accounts.
-- As an authorized
user on your spouse's credit card account, you are usually not entitled to cash - back rewards accrued on the account.
In addition to being
a user on a spouse's account, you can also apply for the same card as the primary cardholder.
You can be added as an authorized
user on your spouse's account.
Note: You can be an authorized
user on your spouse's account without being the individual account holder.
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By joining an existing tradeline account as an Authorized
User, you can piggyback
on a relative's or
spouse's good credit standing until you've had time to build a credit profile of your own.
Another good tip to maximize your sign - up bonuses is to put your
spouse or significant other
on your account as an authorized
user.
Credit card debt is the tough one — many credit card agreements state that both the
user and
spouse are liable for any charges and balances
on the card / 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.
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You can also become an authorized
user on your parents» or
spouse's credit card, if they have good credit, to benefit off their
on - time payments and ride the wave to a better credit score.
If someone close to you, such as a relative or
spouse, has a credit card you can become an authorized
user on their account, if they agree to that.
This post originally appeared October 26, 2017
on CreditCards.com as ««Will adding myself as authorized
user to
spouse's card boost my score?»
Many issuers will allow you and your
spouse to sign up for the same card separately — yes, even if your
spouse is already an authorized
user on your account — which means you can earn twice the number of bonus points if you and your
spouse both sign up for the same card.
Recently
on our legal forum a
user asked, «My
spouse and I filed for bankruptcy about eight years ago.
Despite any trust that you may have in your former
spouse, you should definitely consider removing them as an authorized
user on any accounts that you own.
Recently
on our bankruptcy blog a
user asked, «My
spouse and I are facing a serious financial crisis.
Your
spouse can be a
user on your account.
A
spouse may list another
spouse as an authorized
user on a credit card so that
spouse can make purchases with the credit card too.
Accounts
on which you are an authorized
user are not included in the report (this could happen with accounts that are in one
spouse's name that the other
spouse is authorized to use)
Become an authorized
user on a credit card owned by a family member or
spouse.
While initially intended to apply to
spouses and significant others who share financial responsibilities, a unique credit - building feature of an authorized
user account is that, without taking responsibility for charges
on the card, the entire account history is included in the authorized
user's credit file and credit score.
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!
While it isn't necessary to have new credit cards printed with both of your names
on the front, you will need to contact your lender and have your
spouse added as an authorized
user.
Changing your last name will not erase your credit history and you will not become a joint
user on any of your
spouse's financial dealings.
Also, If you know someone who's got great credit (a parent, sibling or
spouse), asking them to add you
on to one of their credit cards as an authorized
user is a speedy shortcut to a better score.
Many issuers will allow you and your
spouse to sign up for the same card separately — yes, even if your
spouse is already an authorized
user on your account — which means you can earn twice the number of bonus points if you and your
spouse both sign up for the same card.
This means that you and your
spouse could potentially sign up for the same card and add each other as authorized
users to double your sign - up and authorized
user bonuses
on that card.
So far, you can transfer to
Spouse / Domestic partner, even though he / she is not listed as an authorized
user on your account.
Sign up your
spouse or kids to become authorized
users on your account.
Your
spouse can be a
user on your account.
You're also allowed to transfer your Ultimate Rewards points to one
spouse / domestic partner, who shares the same address as you and is also an authorized
user on the card.
If your
spouse or another authorized
user want to enjoy this benefits, they will have to travel with you as a companion
on the same reservation.
I recommend making your
spouse or partner an authorized
user on your account, if you want to be able to transfer your AMEX Membership Rewards points to his / her frequent flyer account.
On the one hand, many
spouses add each other as an authorized
user for convenience purposes if they have different cards, so they can help each other meet minimum spend for the best travel credit cards «signup bonuses, or so they can benefit from the annual AMEX Small Business Saturday promotion.
Another good tip to maximize your sign - up bonuses is to put your
spouse or significant other
on your account as an authorized
user.
If you aren't sure whether your
spouse is an authorized
user on any of your credit cards — check!
The use of the
User Services from the Client Area is for your personal use only (except
on behalf of a
spouse, civil partner or partner in respect of the Wills service).
If your
spouse is an authorized
user on charge cards in your name, see what steps the credit card companies require to remove them as an authorized
user, and do so as quickly as possible.
Radio hosts and bloggers have mentioned the names
on the list, and hypothesized about what potential consequences may be in store for
users, whether lawsuits, divorces, angry
spouses, loss of respect in the community, or negative impact
on careers.