![]() For instance, the primary cardholder can add their child, spouse, partner, or friend as an authorized user. Payments and changes are the responsibility of the primary cardholder.Īnyone can be an authorized user on a credit card as long as they meet the card issuer’s age requirements. As an authorized user, you can make purchases on the primary cardholder’s account, but the responsibility of paying off balances rests with the primary cardholder.Īuthorized users can use the card, but they can’t make any changes to the account, like increasing the credit limit. If you become an authorized user on someone else’s credit card, the issuer will send you a card with your name on it. When you become an authorized user, you receive a credit card connected to the primary cardholder’s line of credit without applying for your own credit card.Īs an authorized user, you can use the primary cardholder’s credit card and piggyback off their credit card activity. The person who owns the credit account is called the primary cardholder. An authorized user on a credit card refers to a person who is added to someone else’s credit card account. ![]()
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