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Answered 2011-03-22 03:42:47

Being an authorized user no longer has an impact on your credit score like it used to. In the past, you were able to be added as an authorized user on a credit card, and all of the credit history and credit limit would be reported on your credit report as if it was your credit effectively obtaining unearned credit for the authorized individual. A few years ago the credit reporting industry changed, and no longer recognize an authorized user as credit responsible and therefore it has little to no impact on your credit score.

If you would like to obtain credit from this card, contact the card issuer and request to be added as a joint user. If you are jointly responsible for the credit, it will report to the bureaus and impact your score. Approval is still required, but it is typically easier to be approved when you are already and authorized user on a card.

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Does the credit score of an authorized user on your credit card affect your credit score?

No, the credit score of the authorized user will not affect the main cardholders credit score but the authorized users score can be affected as you can see creditcardideas.com/blog/adding-an-authorized-user-to-increase-credit-scores


Are primary card holders credit affected by adding a user?

A Primary card holder's credit will not be impacted by adding an authorized user.


Can a credit card company report bad credit on an authorized user's credit report after the death of the primary card holder?

if you are an authorized user on the card then you are responsible for the card too. so yes they can


What is an 'authorized user' of credit card?

When you get a card you can request to have another user on your card, they will get there own card, but it will be under your credit card. (Example: my hubby has a credit card and I'm an authorized user, so I have a card with the same acct number.) added note:- When adding an authorized user to your account, you are agreeing to any and all charges that person places on the account. If the authorized user chooses to abuse the account, such as making purchases beyond the amount that you are able to pay or by exceeding the limit of the card, the negative effects goes against the primary users credit. The authorized users credit is not affected at all and they are not responsible for payments. So be careful who you chose to add to your card.


In Rhode Island is the wife responsible for her husband's credit card if she is an authorized user of the credit card?

No, Rhode Island is not a community property state and an authorized user is not responsible for the debt incurred.



If you are filing for bankruptcy can you be listed as an authorized user on your son's credit card?

Yes. An authorized user, is a term used by CCC's as a safeguard for possible credit card fraud. It does not make the "user" the debtor, or the responsible party for repayment.


If you have a credit card only in your name will it affect or show on your husbands credit report?

No, only the owner and authorized users of the credit card will be reported on the credit card company to the credit agencies. If your husband is an authorized user on the credit card then it will show up on his credit report.


If you are an authorized user on someone else's major credit card and the account isn't paid does it affect your credit as well?

It negatively affects both the primary and the authorized user credit score and report.


In Massachusetts is the wife responsible for her husband's credit card if she is an authorized user of the credit card?

Only in community property states, also authorized user is just that, now if you signed as co-applicant than yes.


Can I Boost credit score with parents credit card as an authorized user?

No, authorized users should not report to the credit bureaus since they are not legally resposible for the debt incurred with the credit card. It will not have any impact on your credit score since authorized users are not reported.


Can removing yourself as an authorized user from a credit card account hurt your credit?

No, as an authoriezed user on someone else's card, any purchases you make goes on the primary cardholder's statement and his credit bureau file, not the authorized user's file


Are you liable for the amount you signed for or the full balance on a credit card if you are an authorized user only?

If you're only an authorized user on a credit card, you don't directly owe anything as far as the credit company is concerned. However, you can still be sued by the individual who has the card account.


Remove your daughter from your credit cards?

Call the credit card companies and tell them that you want her removed as an authorized user from your card.


Becoming an Authorized User: A Credit Card Option for College Students?

Many college students have no credit, or a limited credit history. Fortunately, there is a way for college students to obtain a credit card and build their credit. For instance, if your parents have good credit, perhaps they can add you to their credit card account as an authorized user. As an authorized user, you can enjoy the ease and flexibility of using a credit card. Read on to learn more about becoming an authorized user, so you can get the credit that you need.Is it easy to become an authorized user?Yes, it is rather simple to become an authorized user on your parents credit card account. However, your parents may not be able to add you to their account if they have a poor payment history with that credit card issuer, or if they are currently over their spending limit on that particular account. Your parents can simply contact the customer service department for that credit card issuer to begin the process. In most instances, you can become an authorized user in a matter of minutes.What information do my parents need in order to add me as an authorized user?Your parents may be required to give the credit card issuer your full legal name, Social Security number, date of birth, drivers license number (or state identification card number), your contact details, and your employment and income information.Am I required to make payments if I am an authorized user?No, authorized users are not legally required to make payments to the credit card issuer. However, your parents may ask you to make payments directly to them whenever you use the card. Be sure to discuss this information with your parents prior to becoming an authorized user on their account.Will my parents payment history affect my credit score?Yes, if you are listed as an authorized user on your parents credit card account, their payment history will appear on your credit reports. So, if your parents make timely payments on their account, this can boost your credit score. However, if your parents default on their credit card account, it can have a negative impact on your credit history.Will I have my own credit card to shop with?Yes, for your convenience, your parents can request the credit card issuer to send them a card in your name. Please note that your parents may establish a spending limit for you on their account.How long can I remain an authorized user on the account?Generally speaking, you are allowed to remain an authorized user on someones account for as long as you like (or until that person removes you from that account).If your parents add you to their credit card account, it is important that you follow their rules and use your credit card wisely. Your parents are legally responsible for paying the credit card bill, so do not take advantage of the situation. And in a matter of time, you may be able to obtain a credit card on your own.


What type of credit card to become an authorized user to help raise credit score?

Having an authorized user card does not help the authorized user's credit bureau score. ie) if I had good credit and I gave someone an authorized user card, that person's purchases would be on my statement and I would be responsible for the other person's purchases. If I don't pay for the other person's purchases, it would reflect on my credit bureau negatively as not paying on time and be charged interest.


If authorized user on credit card claims bankruptcy will it hurt primary card holder's credit?

No, presuming the credit card holder makes all the payments he is supposed to...the user is not liable for the debt on the card, and it is not part of his BK.


How much would it raise your credit scores if you were added as an authorized user on a credit card?

If you are an authorized user of another persons credit it has no effect on your credit at all. It will not raise nor lower your score. The credit card company simple issues you a card with your name on it and then holds the person who holds the credit with them responsible for any charges you make.


If you are an authorized user on your parents credit card and they claim bankruptcy how will that affect your credit?

It will not affect your credit at all. Their credit information was used to secure the card. You are in the clear.


Can an authorized user on a credit card account use the card of the primary card holder?

Yes. The point of having an authorized user is for that person to be able to use the credit card of the primary card holder. Usually when an authorized user is created, specific limits (amounts, number of transactions, merchant types, etc.) are set up. Sometimes the authorized user is given a card in their own name and that card may even have a different card number so usage may be tracked by the card company and the primary card holder.


If you are a authorized user on a credit card and the primary holder is not paying the bill can the authorized user be held responsible?

No. Authorized Users are NOT liable for the debt, only the PRIMARY on the account is liable.


If you are an authorized user on a credit card and the primary holder dies are you resonsible for the debt?

An authorized user on a credit card can be responsible on an account in which the primary card holder passes. The creditor looks at the situation as the authorized card holder was able to make purchases with the account, and should be held liable, even in the event of the primary's death.


Is an authorized credit card user responsible for his debt?

Of course, and they can be sued if they don't pay.


What can be done if an authorized user refuses to pay their portion of the credit card bill?

The account holder is ultimately responsible for all charges on their credit card. There's a possibility that you may be able to sue the authorized user in small claims court, though.


Will adding an authorized user with bad credit to your credit card effect your credit rating?

NO. IT wILL BE NOTED AS "A" FOR AUTHORIZED USER ON THAT persons credit file. it does does not increase or decrease your credit score. It should boost theirs in you pay the bill on time. JUDE KAGABINES LEXINGTON SC


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