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YES! Before me and my husband got married, we were going to buy a house. I put him on my credit cards, and in a few months, his credit was just as good as mine. We were able to buy our house within 6 months of adding him. I hope this helps you out. Good luck!!

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โˆ™ 2005-10-25 23:28:58
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Q: If you add an authorized user to your credit card would they be able to gain credit?
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How long after an authorized user can you get your own credit card?

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.


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.


Can you get a credit card under the age of 18?

No, they can't accept that the credit card company can make the rule to change. A minor may be able to use an adult's credit card if the credit card owner has officially authorized the minor to use it.


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


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 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.


Can a teenager under 18 use a parent's or sibling's credit card?

NO. The credit card company won't allow that to happen. It is illegal for ANYONE who is not the card holder, named on the card, to sign for goods purchased with the card. Expanding on the above answer: A minor may be able to use an adult's credit card if the credit card owner has officially authorized the minor to use it. This would require the adult to contact the credit card company to document the minor as an authorized user, because rules/regulations vary by company. Without this formal step, the first response holds true: it would be illegal.


If my mother is an authorized user on my credit card and she is currently in the process of foreclosure would her foreclosure as an AU affect your credit?

No, having her listed as an authorized user will have no impact on your credit score.


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.


If your father wants to sign over a credit card to you is this possible?

Not without the consent of the credit card company. Your father may be able to add you as an authorized user, but he would be responsible for any charges if you couldn't make the payments.


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.


Does the balance on a credit card show on your credit report if you are an authorized user on that card?

In a word, yes.


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.


Can you get a credit card at age 13?

No, they can't accept that their parents or one of them authorize that they can, and if they do they need to really check that their son or daughter is responsible enough for a credit card. A minor may be able to use an adult's credit card if the credit card owner has officially authorized the minor to use it.


How can one apply for a cash-back credit card?

There are many ways in which one would be able to apply for a cash-back credit card. One would be able to apply for a cash back credit card on sites such as "Credit Cards".


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


Can a minor get a credit card?

Yes, but only if the credit card owner has officially authorized the minor to use it.


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.


How does the authorized users credit impact the primary users credit?

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.


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.


How many cosigners you can have on a credit CARD?

None, cause credit card companies are getting away from co-signers and joint accounts and having authorized shoppers instead. By having only authorized shoppers the full responsibility of the credit card is the Primary card holder.


In Oregon is a wife responsible for her husband's credit card debt if she is not a co-signer or authorized user of the credit card?

No.


Is an authorized user responsible for payments on Bank of America credit card even though they never used the card or had that card activated?

Authorized users are not responsible for repaying cc charges. Unless they are a spouse of the account holder and live in a community property state. I work at a credit card company and an authorized user is just someone who is able to make charges on the account. The primary cardholderand/or the joint cardholder would be the one responsible for the bill. The payment history may be reported to your credit bureau though. That does happen with some companies.


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.


Is it fraud for an authorized user to make charges after the death of the primary credit card card holder?

You were an authorized user of the card and should be able to use it any time. It's not a fraud for you to use the card. That is... unless you made the charges on the card while knowing that the bill would not be paid because of the primary card holder's death. That could be considered fraud.