How Old Do You Have to Be to Be an Authorized User on a Credit Card?

If an authorized user accrues a balance on their card, the primary account holder is responsible for paying it off. For this reason, it’s essential to have a good relationship with your authorized user.

How Old Do You Have to Be to Be an Authorized User on a Credit Card?

Different credit card companies have different rules about authorized users on credit accounts.

Can You Add a Minor as an Authorized User on a Credit Card?

Yes, you can add a minor as an authorized user on some credit cards, and a minor is a person under 18 years old. Many credit card companies allow customers to add authorized users younger than 18, but some do not.

Will Adding My Child to My Credit Card Help Build Their Credit Score?

Adding your child as an authorized user online will help them have a positive credit history if your credit card reports authorized users to the credit bureaus.

Can an Authorized User Build Credit History Under 18?

Yes, an authorized user can build a credit history even if they are a minor. This is because most major issuers will notify credit reporting agencies every time the account holder makes a payment.

What Should You Know About Adding Authorized Users to Your Credit Card Account?

Here are a handful of things you should consider before adding an authorized user to your credit card. After all, sharing a credit account with someone is a serious consideration.

1. Check for Added Costs

Some credit cards charge additional fees for adding authorized users. While this is uncommon, it’s still something you should check. Read the fine print, and when in doubt, call and ask.

2. Ensure Your Credit Activity Reports to the Major Credit Rating Bureaus

If your goal is to help your authorized user build their credit history, make sure your credit card company reports payment activity to the major credit bureaus.

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