Some credit card companies let you add an authorized user without providing that individual’s Social Security Number (SSN). You only need their name, birthday and address in some 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 is required to add an authorized user, we looked into some of the most popular issuers’ policies.
Popular issuers' authorized user requirements:
Capital One – Name, Birthday and Phone Number. An SSN is required to add an Account Manager (a type of authorized user with increased account access, including the ability to set up their login details to manage the account).
Chase – Name, Birthday, Address and Relationship to Primary Cardholder
Barclaycard– Name, Birthday, Address, 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.
You can add an authorized user to your Capital One account either online or over the phone, at (877) 338-4802. And you can add anyone, regardless of age or relationship, as an authorized user to your Capital One credit card account. You just need their Social Security number, birth date and address.… read full answer
To add a Capital One authorized user online, log into your account, click “Services,” then “Manage Users,” and finally “Add New User.” To do so by phone, call the number on the back of your Capital One card, and when prompted, say you would like to add an authorized user. After you enter your card number, a customer service representative will take the new user’s information and get them set up.
That’s how it works in general. But there are some details you should be aware of before adding an authorized user to your Capital One card.
Here are Capital One’s authorized user policies:
You have to wait until you’re approved for a Capital One card to add a user.
You can add as many authorized users as you would like to your account.
Each authorized user will receive his or her own card, linked to your account.
You can customize the spending limit of each user when you add them online. Or you can call customer service at (877) 338-4802 and ask a representative to do it for you.
You will be responsible for paying the charges made by any authorized user.
You’ll still get only one statement per month, but you’ll be able to see who made each charge.
Only the primary cardholder can add an authorized user to an account.
Adding a Capital One authorized user is a straightforward process, especially since the person you’re adding doesn’t need to apply. And it’s a great way to help someone who’s new to credit build their history, so long as both you and your authorized user behave responsibly.
The primary owner of a Visa credit card account can add an authorized user by calling the card issuer’s customer service number or logging into their online account. Adding an authorized user to a Visa card usually requires the authorized user’s name, date of birth, address and Social Security number. Some issuers allow you to customize the authorized user’s credit limit, so you might be asked about that during the set-up process as well.… read full answer
In general, it is free to add authorized users – especially to credit cards that don’t charge annual fees. In certain cases, though, adding an authorized user does come with additional yearly costs, such as when an authorized user gets valuable benefits like airport lounge access. That said, the extra costs are usually less than the primary cardholder’s annual fee. Call your card’s customer service number or check the card’s terms and conditions if you’re curious about extra charges for authorized users.
I believe international credit cards without foreign transaction fees can be important to both people who travel frequently, as well as useful to casual travelers. However, those who travel frequently will obviously earn more rewards, and more quickly than casual travelers. International credit cards are accepted both where you live and in other countries, making them a convenient currency for both frequent and casual travelers.… read full answer
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