Can an Authorized User Request a Replacement Card?
Discover if authorized users can request replacement credit cards. Policies vary by issuer, impacting their ability to manage account access.
An “authorized user” is an individual granted permission to use the primary cardholder’s credit card account. This arrangement allows the authorized user to make purchases with a card issued in their name, linked to the main account. However, it is important to understand that the authorized user is not legally responsible for the debt incurred on the account; this liability rests solely with the primary cardholder.
Authorized User Capabilities
An authorized user receives a physical credit card and can use it for various transactions, including online and in-store purchases, and add it to a digital wallet. For many, becoming an authorized user offers a pathway to establishing or building their credit history, as the account activity may be reported to credit bureaus.
Despite these privileges, authorized users operate under specific limitations. They cannot alter fundamental account details, such as changing the mailing address, contact information, or the account’s Personal Identification Number (PIN). Authorized users are also unable to request credit limit increases, adjust the annual percentage rate (APR), close the account, or add other authorized users. The primary cardholder retains ultimate control over the account, including the ability to set spending limits for authorized users or remove them entirely.
Replacement Card Requests by Authorized Users
The ability for an authorized user to request a replacement credit card varies among issuers. Some issuers permit an authorized user to request a replacement card directly, particularly in cases where their specific card is lost, stolen, or damaged. Other card issuers may require the primary cardholder’s explicit consent or mandate that the primary cardholder initiate all replacement card requests. If an authorized user is permitted to make such a request, they need to provide personal identification details, such as their name and address, along with security verification information. They may also need to specify the reason for the replacement, such as a lost or damaged card.
Steps to Obtain a Replacement Card
When an authorized user is permitted to request a replacement card, the process involves contacting the credit card issuer. Common methods include calling the issuer’s customer service line or using online portals or mobile applications. During the request, the authorized user undergoes a verification process to confirm identity and authorization, which may involve providing personal details and answering security questions. Once processed, a replacement card is usually mailed to the address on file, with delivery times ranging from 4 to 10 business days. Some issuers offer expedited shipping for an additional fee or in specific circumstances, which could shorten delivery to 1 to 3 business days.
Primary Cardholder Considerations
The primary cardholder maintains full financial responsibility for all charges made on the account, including those incurred by authorized users. This responsibility extends to ensuring timely payments for the entire balance.
Primary cardholders are not always directly notified when an authorized user requests a replacement card, particularly if the issuer’s policy allows the authorized user to do so independently. However, the primary cardholder can remove an authorized user from the account at any time, often by contacting the issuer via phone or through online banking. Removing an authorized user can lead to the cancellation of their card and may impact their credit history if it was their oldest line of credit.