The Capital One Quicksilver Cash Rewards Credit Card does not offer an authorized user bonus, currently. Some credit cards give a bonus for adding an authorized user, though this is a relatively rare feature and the Capital One Quicksilver Card is not among the cards offering it.
Adding an authorized user to your Capital One Quicksilver Card still has benefits, though. To start, the authorized user is able to build credit. In addition, an authorized user’s spending still counts toward earning a card’s initial bonus. And authorized users’ purchases will earn rewards at the same rate as the primary cardholder’s purchases. Only the primary cardholder is able to redeem rewards earned by any user on the card, though.
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.
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 … read full answerbuild credit as fast as an authorized as you would with your own credit card account.
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.
To remove an authorized user from a credit card, call the customer service phone number on the back of your card or make the request through your online account. You can also mail your request to the issuer, though it would be much slower. Either the primary cardholder or the authorized user can request removal. You will need to provide the card number, the primary cardholder’s name and the authorized user’s name. Some credit card companies require other info such as the primary cardholder’s date of birth or Social Security number, or the answer to a security question.… read full answer
Regardless of who decides to remove the authorized user from the credit card account, the process is very easy.
How to remove an authorized user from a credit card:
Info needed: You will need at least the primary card’s number and the names of both the primary cardholder and the authorized-user-to-be. The primary cardholder’s date of birth or Social Security number might also be required. And there may be a security question.
Call customer service. Call the number on the back of your card and provide your card number to identify yourself. When you speak with a representative, tell them you’d like to remove an authorized user.
Log in to your online account. Go to the account management page. Find the section for authorized users, select the user you’d like to remove and confirm removal. All of the 10 largest credit card issuers allow you to remove authorized users online.
Send the request by mail. This method is obviously the slowest. Use certified mail if you’d like confirmation of receipt.
Who can make the request: All of the 10 largest credit card companies allow either the primary cardholder or the authorized user to do it. An authorized user cannot remove another authorized user from a credit card, though.
After you remove an authorized user from a credit card, make sure the user knows. That way, they won’t be surprised when they try to use the card and are unable to purchase anything.
Once you remove an authorized user from your credit card, the card’s past payment history, whether negative or positive, will usually remain on the authorized user's credit report. But no new activity from the card will be added. The authorized user may contact the credit bureaus to ask them to remove the history.
Most issuers will remove an authorized user immediately after the request is made. In the meantime, some issuers will allow you to freeze the authorized user’s card or set its spending limit to $0 through your account settings.
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