Does Being an Authorized User Build Your Credit?

Do Authorized Users Build Credit? Know the Pros and Cons

Being added to someone else's credit card as an authorized user can allow you to benefit from their payment history and available credit to elevate your credit score.

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Becoming an authorized user on someone else’s credit card can help you build credit quickly. This relationship works best when the primary cardholder has a long history of on-time payments and a high credit limit and the authorized user doesn't have any negative marks on their credit report.

What is an authorized user?

An authorized user is someone who is added to a primary cardholder's credit card account. Even though the credit card company will issue a card with the authorized user's name on it, the primary user is legally responsible for paying charges on the account. Authorized and primary users should agree ahead of time whether the authorized user will be allowed to use the card or simply be listed as an authorized user. The effect on the authorized user's credit is the same either way. If the authorized user is using the card, both parties should also agree on how payments will be made. Before becoming an authorized user, ask the primary account holder to confirm that their lender reports authorized user activity to the credit bureaus. If the credit account, also called a tradeline, doesn’t appear on your credit reports, it may be because the lender doesn’t report that information. In that case, there would be no credit building opportunity.

» Next steps: Which credit cards help authorized users build credit?
. If the credit account, also called a tradeline, doesn’t appear on your credit reports, it may be because the lender doesn’t report that information. In that case, there would be no credit building opportunity.

. If the credit account, also called a tradeline, doesn’t appear on your credit reports, it may be because the lender doesn’t report that information. In that case, there would be no credit building opportunity.

» Next steps: Which credit cards help authorized users build credit?
Which credit cards help authorized users build credit?
Which credit cards help authorized users build credit?

How does being an authorized user affect your credit?

How much this helps depends on your credit history when you're added to the account. It can help most if you're new to credit, such as a young adult or someone who hasn't used credit in the U.S. before. It may also help if you're rebuilding your credit or don't have many accounts (usually fewer than four or five).

Pros and cons of authorized users

✅ Can lower your credit utilization

Being added as an authorized user can increase your total available credit. This can lower your credit utilization, which is the percentage of your credit limits you're using at a given time. Credit utilization is a major credit scoring factor — second only to payment history. For example, if you have a card with a $1,000 credit limit and a $300 balance, you're using 30% of your available credit. If you're added to someone's else's card with a $15,000 limit and a low balance, your overall utilization could drop a lot. That can help your credit score.

✅ No credit check needed

You don't need to apply for a credit card to become an authorized user. The primary cardholder just adds you using basic information like your name, address and birthdate. This makes it easier and faster to start building credit.

✅ Can help kids start building credit

Parents may be able to add their child as an authorized user before they're old enough to get their own credit card. This can help kids build credit early. Then, when they're eligible to apply for their own, they'll have a strong foundation to build upon. Keep in mind: Some card issuers have age limits and may not report the account to the credit bureaus unless the child meets that minimum. It's a good idea to check with the issuer first. » LEARN: What to know before adding your child as an authorized user » LEARN:

✅ Can help keep older accounts open

Authorized users can also help the primary cardholder. Credit scores factor in the age of your accounts. So, instead of closing an older account, which could hurt your score, you can keep it open and add an authorized user to keep the account active.

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❌ Primary user is responsible for the bill

The primary cardholder is legally responsible for paying off the credit card balance, including anything the authorized user spends. If a payment is missed, it can hurt both people's credit scores. Late payment may also show up on both sets of credit reports.

❌ Spending can raise credit utilization

If too much of the credit limit is used, it can hurt the credit scores of both people on the account. It helps to set clear rules about spending early. For extra protection, primary cardholders can set spending limits for authorized users on some credit cards.

❌ It doesn't replace having your own credit

Lenders still want to see that you've managed your own credit accounts responsibly. Being an authorized user can help, but it usually has less impact than having accounts in your own name.

Who benefits from becoming an authorized user?

Becoming an authorized user can help you most if you're new to credit or don't have many accounts — also called a thin credit file. If you're just starting out, becoming an authorized user can help you build a payment history and lower your credit utilization. These are the two most important factors in your credit score calculation. If you cannot qualify for a credit card on your own, being an authorized user can beef up your credit history and increase your credit age, or how long you've been using credit. If you don't have a FICO score yet, the most commonly used scoring model, becoming an authorized user help you get one fast — often in less than six months.

How long should you stay an authorized user?

How long you stay on the account depends on your agreement with the primary cardholder. However, authorized users should be prepared for the relationship to end at any time. They should also take steps to protect their credit score when it does. Why? Once the account is removed from their credit reports, the benefits — like lower credit utilization, on-time payment history and the account's age — could disappear. If you’re using this strategy to build credit, talk about expectations early. For example, you might agree to stay on the account until you reach a certain credit score. Or you might set a timeline, like one year, to give your score time to grow. Keep the purpose of the authorized user status front and center: It’s a temporary credit-building boost. As your credit improves, use it as a springboard to build credit in your own name by opening up your own credit card, signing up for a rent-reporting service, or applying for a credit-builder loan to diversify your credit history. With each step toward independence, focus on good habits like paying your bills on time each month and keeping your credit utilization at 30% or less. How fast does an authorized user build credit? As long as the credit card issuer reports authorized user activity to the credit bureaus, the account will typically appear on your credit reports within a few months. What is the minimum age to be an authorized user? Because there is no legal minimum age to become an authorized user, each lender sets their own rules. Some banks allow authorized users as young as 13, while others may require them to be 15 or 16 — some have no age limits. However, not all lenders report information about a minor to the credit bureaus, making the authorized user arrangement useless in building credit. Do authorized users have to pay the credit card bill? The only person who is liable for the monthly credit card bill is the primary cardholder. However, every agreement is different. For example, some authorized users might pay for only their portion of the charges. Do I have to go through a credit check to become an authorized user? No. A credit check is not required to become an authorized user.

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See the full picture: savings, debt, investments and more. Smarter money moves start in our app. Explore more on About the authors Barroso Amanda Barroso, Ph.D., is a writer and content strategist helping consumers navigate budgeting, credit building and credit scoring. Before joining NerdWallet, Amanda wrote about demographic trends at the Pew Research Center and earned a Ph.D. from The Ohio State University. Her work has been featured by the Associated Press, Washington Post and Yahoo Finance. Published in Schwahn Lauren Schwahn is a writer at NerdWallet who covers credit scoring, debt, budgeting and money-saving strategies. She contributed to the "Millennial Money" column for The Associated Press and managed a team of writers producing content for the series. Her work has also been featured by USA Today, MSN, The Washington Post and more. Lauren has a bachelor’s degree in history from the University of California, Santa Cruz. She is based in San Francisco. Published in What is an authorized user? How does being an authorized user affect your credit? Pros and cons of authorized users Who benefits from becoming an authorized user? How long should you stay an authorized user? How to Build Credit From Scratch at Any Age Use a Credit Score Simulator to Road-Test Financial Decisions What Is a Credit-Builder Loan and Who Would Benefit? 7 Ways to Rebuild Credit By Bev O'Shea, Amanda Barroso, Lauren Schwahn How to Build Credit From Scratch at Any Age By Erin El Issa, Amanda Barroso Credit Score Ranges: What They Mean and How They Work By Amanda Barroso, Lauren Schwahn How to Calculate Your Credit Utilization Ratio By Amanda Barroso What Is a Good Credit Score and How Do I Get One? By Amanda Barroso, Lauren Schwahn