Sentences with phrase «well as the authorized user»

The rental car insurance benefits offered by your credit card apply to the primary cardholder as well as any authorized users.

Not exact matches

Say your spouse has a credit card with little or no balance and a great payment history; if he or she agrees to add you as an authorized user, from a credit score point of view you automatically benefit from her card's available credit as well as her payment history.

For me, I decided that the $ 95 fee didn't make sense as the Sapphire Reserve provided equal or better benefits across the board and I was happy to pay the premium to have the card for both myself and my wife ($ 75 authorized user fee as well).

«The adoption of BVN as a condition for the purchase of FOREX is expected to reduce the incidence of multiple purchases, round tripping and illicit transfer of funds, facilitate enforcement of authorized limits of forex sales to end users, sanitize the retail segment of the market and engender policies that will facilitate better allocation of the forex, based on genuine demands.

References in this paragraph to «HBO,» «you,» and «us» include our respective subsidiaries, affiliates, agents, employees, predecessors in interest, licensees, licensors or providers of content, successors, and assigns, as well as all authorized or unauthorized users of the Service under this or prior Agreements.

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.

If you know someone who has good credit and trusts you to be on your best financial behavior from now on (if you're reading this article, you're on the right path), that person may be willing to take you on as an authorized user.

«Authorized User» also known as the «Piggyback Method» is the fastest way for someone with no credit or bad credit to establish good credit fast!

Spouses and relatives could also benefit from being added as an «Authorized User» to an existing good standing credit card account.

Another good tip to maximize your sign - up bonuses is to put your spouse or significant other on your account as an authorized user.

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.

While there are several good reasons to add your child as an authorized user to your credit card, the most common is to help him or her start building credit.

Commonly known as «piggybacking,» adding an authorized user to an established account with good credit history is a way to «cheat» the credit score.

If you have a spouse, parent, or another trusted family member or friend with good credit, have them add you as an authorized user to their credit accounts.

So, it may be a good idea to add a child or spouse as an authorized user, particularly if they don't have any credit history of their own.

So, if you want to be reported as an authorized user, then your best bet is a close relative — and their credit history better be good!

If your parents are willing, and have good credit, they could add you as an «Authorized User» to one or more of their credit cards.

When a name is removed from the account it's fairly easy to remove authorized user from credit report as well.

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.

If you miss a payment or have some other negative information reporting to the credit agencies for that particular account, it can negatively affect the credit of the authorized user (s) as well.

Dear Tom, Sometimes it can seem that raising a credit score simply by being added to someone's credit card as an authorized user might just be too good to be true.

As soon as the good - credit data appears on the authorized user's credit report, the good - credit juice starts flowing, helping build or rebuild the authorized user's credit scorAs soon as the good - credit data appears on the authorized user's credit report, the good - credit juice starts flowing, helping build or rebuild the authorized user's credit scoras the good - credit data appears on the authorized user's credit report, the good - credit juice starts flowing, helping build or rebuild the authorized user's credit score.

Instead, using and paying off a secured card each month or being added as an authorized user to a family member's or friend's credit card in good standing makes much better sense.

If you decide to use the method, make sure it is someone you know and trust (for example, Tonya's dad helped her), make sure the person has good credit and will add you as authorized user to a card with a good payment history and they have had the card for a while (length of credit history).

When the subject of building or rebuilding credit arises, I often recommend secured and authorized user credit cards, as they are easy to qualify for and when managed properly are all that's needed to establish a good credit score.

References to www.smartcredit.com, ConsumerDirect and us includes subsidiaries, affiliates, agents, employees, predecessors in interest, successors, and assigns, as well as all authorized or unauthorized users or beneficiaries of services under this or prior Agreements between us.

If you are young and just starting out with credit and have a job, get a secured credit card or ask a family member with good credit to add you to the account as an authorized user to help you build your credit.

The open date on the authorized user card, as with all other accounts on your credit report, will be used in scoring calculations that measure how long you've been using credit (15 percent of your score), such as the average age of your accounts and the ages of your newest and oldest accounts — with older always being better.

Even if the primary card holder won't let you use the card for purchases, you can still improve credit scores as an authorized user so long as the account information is reported to the bureaus and recorded in your file, and the account is in good standing.

The most common way, and by far the best way, of getting approved for a first credit card is by being added as an authorized user to your parent's, spouse's, or friend's credit card.

Your authorized users will be issued the additional card (s) automatically when we get your request, as long as your credit card account is: a) still in good standing at that time, and b) your request does not exceed a total of 3 authorized users (counting any existing authorized users you may already have).

When first starting out of course this is not easy; but this is where getting added as an Authorized User to another persons established credit comes in best.

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.

But there's a particular reason the Platinum Card From American Express takes the top spot on our list: It offers a Global Entry / TSA PreCheck fee waiver for not only the primary cardmember, but for each of the authorized users as well.

If the account was opened after June 1, 1977 and if you name your spouse as the authorized user, a creditor who reports the credit history to a credit bureau must report it in your name as well as in your spouse's name.

One way many Americans do it is to be added onto a family members credit card as an «authorized user» — which can help give you some of their good credit history.

Dear G., It's no longer a secret that being added as an authorized user — also known as «piggybacking» on someone's credit card — can be a good way to boost your own credit score.

You'll want to be particularly diligent about this if you've been building good credit as an authorized user and are about to apply for some kind of credit on your own.

When a spouse has bad credit and your credit is pretty good, you can safely add that spouse as an authorized user.

Being added as an authorized user may help improve your spouse's credit score as long as that account is in good standing with an excellent payment history and low credit utilization.

Having someone who will put you down as an authorized user can often help, but only if the creditor reports you as well.

Annual Fee rebate applies only for the Primary Cardholder of one of the following new (to you) TD Credit Cards - TD ® Aeroplan ® Visa Infinite * Card, TD ® Aeroplan ® Visa Platinum * Card, TD First Class Travel Visa Infinite Card, TD Platinum Travel Visa Card or TD Cash Back Visa Infinite * Card, and for one Authorized User Card for the same TD Credit Card Account for as long as the All - Inclusive account remains open and in good standing.

As long as the primary cardholder is being responsible, all that good credit information flows onto your credit report as an authorized useAs long as the primary cardholder is being responsible, all that good credit information flows onto your credit report as an authorized useas the primary cardholder is being responsible, all that good credit information flows onto your credit report as an authorized useas an authorized user.

If you add an authorized user to your account and use the card to make a single purchase within three months of opening your account, you will get a $ 25 cash back bonus as well.

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!

If they can get a family member or friend to add them as an authorized user to a credit account in long - term good standing, that trade line will then positively affect their credit score.

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.

Even your best friend might not want the risk of adding you as an authorized user on a credit card account.

We're still working out the kinks, and considering adding my husband as an authorized user to some of my frequently - used rewards cards as well.