How to Add Someone to Your Credit Card

Adding someone to a credit card account is often done by designating them as an authorized user. This allows another individual to make purchases using a card linked to the primary account. The primary cardholder retains full control and responsibility for the account, while the authorized user gains spending privileges.

Understanding Authorized Users

An authorized user receives a credit card linked to the primary account and can make purchases, but they do not own the account. Their permissions typically include making transactions and accessing account information, such as balances or transaction history. However, an authorized user cannot make changes to the account terms, close the account, or request credit limit increases. The primary cardholder bears complete financial responsibility for all charges incurred by an authorized user.

A distinction exists between an authorized user and a joint account holder. Joint account holders share equal ownership of the account, along with shared liability for all debts incurred. Both joint account holders typically have the ability to make changes to the account, close it, and are equally responsible for payments. An authorized user has no legal obligation for the debt and does not own the account, making the primary cardholder solely responsible for all payments. The account activity, including payment history and credit utilization, is generally reported to the major credit bureaus for both the primary cardholder and the authorized user, impacting their respective credit profiles.

Gathering Necessary Information

Before adding an authorized user, the primary cardholder must collect personal details about the individual. This typically includes their full legal name as it appears on official identification documents. The authorized user’s date of birth is also a standard requirement, as is their current residential address. This information helps the credit card issuer verify the identity of the individual being added to the account.

In some instances, credit card issuers may request the authorized user’s Social Security Number (SSN). Providing an SSN can facilitate the reporting of account activity to credit bureaus, which may impact the authorized user’s credit history. It is advisable for the primary cardholder to confirm the information requirements directly with their credit card issuer, as these can vary.

Steps to Add an Authorized User

Once all required information for the authorized user has been gathered, the primary cardholder can add them to the account. Many credit card issuers offer adding an authorized user through their online portal. This typically involves logging into the primary cardholder’s account, navigating to an “account services” or “manage users” section, and then selecting the option to add an authorized user. The personal details of the authorized user are then entered.

Alternatively, primary cardholders can add an authorized user by contacting the credit card issuer’s customer service department via phone. This method usually requires having the account number readily available. The representative will then guide the primary cardholder through the process, collecting the necessary information verbally. Some issuers may also provide forms that can be completed and submitted by mail.

After submitting the request, the credit card issuer typically processes the addition within a few business days. A new credit card for the authorized user, bearing their name, is usually mailed to the primary cardholder’s address or directly to the authorized user’s address. The physical card generally arrives within 7 to 10 business days and will require activation before it can be used for purchases.

Managing and Removing Authorized Users

After an authorized user has been added, the primary cardholder can monitor their spending and activity through online account statements or mobile applications. Some credit card issuers offer features that allow primary cardholders to set spending limits for authorized users. Regularly reviewing account statements helps ensure that all transactions align with expectations.

Removing an authorized user from an account is straightforward. Primary cardholders can typically initiate the removal online through their account portal or by contacting customer service via phone. Once removed, the authorized user’s card becomes inactive, and they can no longer make purchases. It is advisable to destroy any physical cards held by the removed authorized user to prevent accidental use.

The account’s payment history and credit utilization continue to be reported to credit bureaus for the primary cardholder. For the authorized user, the account may cease to appear on their credit report, or the status may change to “closed” with the historical data remaining. Consistent and timely payments on the account generally contribute positively to the credit profiles of both the primary cardholder and the authorized user while they are associated with the account.