You can add an Amazon Credit Card authorized user online. Sign in to your account, click “Things you can do,” and then select “Add an authorized user” from the drop-down menu. Fill out the form and click “Add Authorized User.” You’ll need to enter the full name, date of birth and residential address for the person you want to add. The authorized user will get their card within 7 to 10 business days.
It’s important to mention that as the primary cardholder, you are responsible for the authorized user’s purchases. Any missed payments or other negative activity on the card will appear on both the primary cardholder’s and authorized user’s credit reports.
Yes, authorized users do build credit. You can actually build a good or excellent credit score just as an authorized user on a credit card. When you become an authorized user, the account is added to your credit report, which means on-time payments by the primary cardholder will help you build good credit history. But because authorized users are not responsible for paying the bills, credit scores don’t give authorized user accounts as much weight. So you won’t build credit as fast as an authorized as you would with your own credit card account.… read full answer
Still, the fact that most credit card companies don’t have a minimum age for authorized users, means becoming one is a great way to build credit before you can get your own account. But there are a few positives and negatives you should know about before becoming an authorized user.
Here’s how authorized users build credit:
A friend or family member adds you to their credit card account as an authorized user.
The credit card account gets added to your credit reports, just like if it were your own account.
The issuer gives updated account information to the credit bureaus on a monthly basis.
Your credit standing improves if the account owner has on-time payments, low credit utilization and other signs of financial responsibility.
Your credit gets hurt if the account holder behaves irresponsibly.
You can get an account with negative information removed from your report, since you aren’t responsible for making payments.
Authorized users do build credit, but that credit can be good or bad, depending on how the primary accountholder manages balances and bill payments. So you only want to become an authorized user on an account owned by someone responsible.
But in the event that an authorized user account does end up hurting your credit, you can dispute the account to get it removed from your credit report. That’s because any mistakes made won’t be your responsibility.
Finally, you’ll build credit faster if you also have your own credit card account that you use responsibly. You can get a starter credit card once you turn 18 years old, as long as you have enough money to pay the bills.
If you have bad credit and are worried you won’t get approved, try applying for a secured credit card. Secured cards require security deposits, but they have the highest approval odds of all credit cards and accept people with bad credit.
Click the three dots on the far right under your card, then “More options.”
Click the “Account Services” dropdown menu.
Select “Add an authorized user.”
Make an ID and password for your authorized user.
Choose your authorized user’s level of access: None, View Only, or Transact.
Add other limits, such as the types of transactions your authorized user can make and whether his or her purchases need your approval.
Decide whether the authorized user can approve purchases made by other users.
Give the ID and password to the authorized user.
Before adding a Chase authorized user, it’s useful to remember what that means for you. You are the one liable for all charges, so make sure you trust the authorized user to act responsibly, or limit their access and privileges.
It’s worth noting that Chase authorized users are never able to change your account information, change your password, or request an increase or decrease to your credit limit.
You can activate your Amazon Credit Card online. You will need to log in or sign up with your Social Security number and your card, account or application number. Alternatively, you can activate your card by calling 800-432-3117 and following the prompts.
If you have the store-version of the Amazon Credit Card (the one issued by Synchrony Bank), call 866-634-8379 to activate it.… read full answer
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