You can add a Chase credit card authorized user through your Chase.com account or over the phone (1-800-935-9935). Anyone can be a Chase authorized user, regardless of their age or relationship to you. The only information you’ll need is the authorized user’s name, birthday and address.
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.
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.
To add a Chase Sapphire Reserve authorized user, log into your online account, go to the “Access Manager” page, and click “Add New User.” Enter the user’s name and create a temporary ID and password, which the authorized user can later change. Then, customize the authorized user’s privileges by setting a limit for how much they can spend and choosing whether or not to require approval for their purchases. The new user will get their card within 7-10 business days. … read full answer
Chase Sapphire Reserve authorized user info:
There is a $75 annual fee for each authorized user, on top of the card’s $550 annual fee.
An authorized user’s purchases count toward the minimum spending requirement to earn Sapphire Reserve’s 50,000 points initial bonus.
Authorized users earn rewards at the same rates as the primary cardholder. All earnings go to the primary cardholder.
The primary cardholder is responsible for charges made by the authorized user.
All statements, alerts and mail will be addressed to the primary cardholder.
Adding a Chase Sapphire Reserve authorized user is easy, and can be a smart way to earn extra rewards. Just be prepared to pay the extra fee, as well as any charges your user might make.
Being added as an authorized user will not have a significant impact on your credit score, because you're not responsible for paying the bills.
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 a good credit history. Missed payments and constantly using a lot of the available credit will negatively affect your credit score. Some credit reporting agencies do not include negative history in authorized users' credit reports.… read full answer
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