Most credit card companies let you add an authorized user without providing that individual’s Social Security Number. You only need their name, birthday and address in most cases.
But requirements vary by credit card company, and not all of them will allow you to add an authorized user with no SSN. To give you a better sense of what, exactly, is required to add an authorized user, we looked into some of the most popular issuers’ policies.
Capital One – SSN, Birthday and Phone Number
Discover – SSN, Birthday, Address and Phone Number
Citi – Name and Address
Chase – Name, Birthday and Address
Barclaycard – Name, Birthday, Relationship to Primary Cardmember and Citizenship status
Before adding an authorized user, you should also make sure to weigh the benefits and potential drawbacks of doing so. On the one hand, it will help the authorized user build credit. And if you mess up, the authorized user can have the negative records removed from his or her credit report. On the other hand, you’re the one who’s responsible for paying the bill every month.
As long as they're not Capital One or Discover, I think you should be okay to add your folks without a social security number.
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