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What is an Authorized User on a Credit Card and Should I Be One?

Reading Time: 3 minutes
Two smiling women sit in front of a laptop while one types. The text “What Is an Authorized User on a Credit Card?”.
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Wanting to know what an authorized user on a credit card is? Click here to learn more about authorized credit card users and how it can affect your credit. [Duration - 2:30]

Highlights:

  • An authorized user is someone who has been added to a credit card account by the card's owner.
  • The authorized user can use the card to make purchases, but the card owner must make the payments.
  • Being an authorized user can improve credit scores and build credit — as long as the primary cardholder has positive credit behavior.

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