What is an Authorized User?

Last Updated: May 29, 2024 @Jason

*An Authorized User is a person who is added to a primary cardholder’s account, allowing them to benefit from the account’s past and future credit history. This is an excellent tool for individuals looking to strengthen their credit profiles by adding tradelines with excellent payment history, significant age, and high credit limits.

With well-established tradelines on your credit report, you increase your chances of obtaining favorable lending rates from financial institutions.*

An authorized user is someone that is “authorized” to be placed on a primary cardholder’s account. When you become an authorized user on someone’s credit card account, you agree to adopt the future and past credit history of the account.