How can I add a Chase authorized user?

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:

1. A friend or family member adds you to their credit card account as an authorized user.
2. The credit card account gets added to your credit reports, just like if it were your own account.
3. The issuer gives updated account information to the credit bureaus on a monthly basis.
4. Your credit standing improves if the account owner has on-time payments, low credit utilization and other signs of financial responsibility.
5. Your credit gets hurt if the account holder behaves irresponsibly.
6. 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 in to your online account and click the “More options” tab, or call customer service at 1 (800) 432-3117. You will need to provide the person’s full name and date of birth to add them as an authorized user.

A primary cardholder can make anyone a Chase Sapphire Reserve authorized user.... read full answer

How to Add a Chase Sapphire Reserve Authorized User Online

1. Log in to your Chase Sapphire Reserve card account.
2. Click the “More options” tab.
3. Click “Add an authorized user" under the “Account Services" menu.
4. Enter the user’s full name and date of birth.
5. Click “Add authorized user.”

When you add a a Chase Sapphire Reserve authorized user, they will receive their own credit card, sent to your mailing address, within 7-10 business days of being added to the account. The authorized user’s credit card will be linked to your account and will have full access to the account’s credit limit. Chase authorized users are able to make purchases, earn rewards, and access account information. However, they cannot request credit limit increases, add authorized users, or close the account.

In addition, any purchases an authorized user makes on the account will appear on your statement, and as the primary cardholder, you are responsible for all purchases on the account. Chase reports account information to all three of the major credit bureaus, which affects not only the user’s credit history, but also the primary cardholder’s. Authorized users may be removed from an account at the user’s or primary cardholder’s request at any time, and for any reason.

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

You can track your progress and get customized advice for free by signing up for WalletHub. the only site that offers free daily credit-score updates.