Blog » Community » How does adding an authorize user to your account affect your credit?

How does adding an authorize user to your account affect your credit?

If you’re the primary account holder, simply adding an authorized user to your credit card won’t directly affect your credit report or credit scores.  But, the way the authorized user utilizes your account could impact your creditworthiness.  If they abuse the privilege of being an authorized user, you could find yourself with large debts that you are unable to pay.

If the authorized user makes charges and runs up the balance, you will be responsible for paying those debts. The authorized user is not responsible for the debt on that particular account.  They are only authorized to make charges on the account.

If you are going to add an authorized user make sure they are going to be responsible with the card. If the authorized user maxes out the card or charges that exceed the credit limit, it could affect you and your credit history.

Check out the scope to hear answers to all the questions asked:

Do you have questions about credit?

Join our live video chat every Tuesday and Thursday at 2:30 p.m. ET on Periscope. Rod Griffin, Director of Public Education at Experian, is available to answer your questions live.

Scoped on: 03/03/2016

Review Your Free Experian Credit Report Today

Good credit begins with knowing where your credit is today. Get started with your free Experian Credit Report, updated every 30 days on sign in. No credit card required.

Get Started for Free

Credit Education

Credit Cards & Loans

Get credit cards and loans from our trusted network of partners. See credit offers based on your credit when you sign up for free.

Browse Credit Cards & Loans

5 Budget-Friendly Ways to Give Back

As the holiday season ramps up, Americans often increase their charitable giving. Here are five ways to give to others while still staying on budget.