Maria Adams, Credit Cards Moderator
@m_adams
No, credit card authorized users generally do not receive a separate monthly statement; only the primary cardholder does. That’s because authorized users aren’t responsible for making bill payments. That obligation exclusively falls on the shoulders of primary cardholders.
However, some issuers may itemize the spending made by authorized users within the monthly statement, allowing the cardholder to discern which charges were made by each person. If you want to find out whether your credit card’s issuer offers this option, call the number you see on the back of your card.
What Credit Card Authorized Users Get
An authorized user can get their own credit card with their name on it. This way, authorized users gain the ability to make purchases without assuming payment liability or having to qualify for their own cards.
Generally, authorized users may earn rewards, make payments, and report lost or stolen cards. But they cannot redeem rewards (unless the primary cardholder allows it), request credit limit increases, or close the account.
People also ask
What is an authorized user on a credit card?
An authorized user on a credit card is a person who can charge purchases to the account but is not responsible for making payments. Anyone can become an authorized user on someone else’s credit card, though most authorized users are family members or employees of a business.
To add an authorized user, the primary cardholder will need to log in to their online account or contact the credit card issuer and request that the individual...
read full answer by Chip Lupo, Credit Card WriterDoes an authorized user get their own card?
Yes, an authorized user can get their own credit card with their name on it. This way, authorized users gain the ability to make purchases without assuming payment liability or having to qualify for their own cards. However, it’s typically up to the primary cardholder to give a physical card to the authorized user.
Generally, authorized users may earn rewards, make payments, and report lost or stolen cards. But they cannot redeem rewards (unless the...
read full answer by Maria Adams, Credit Cards ModeratorDo authorized users build credit?
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...
read full answer by John S Kiernan, Managing EditorDid we answer your question?
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