You can add a Discover authorized user either online or by phone at (800) 347-2683. Online, you’ll need to log in to your account with your username and password to add a Discover authorized user. You’ll then need to enter the user’s name, SSN, date of birth and address. And if you call customer service, you’ll need to provide all the same information.
Discover authorized users can make purchases, report stolen or lost cards, obtain account information and make payments. But they are not responsible for paying the bills. That’s the sole responsibility of the primary account holder. Authorized users cannot add other authorized users, close the account or request credit line increases or APR decreases.
Adding a Discover authorized user is a big decision, but it’s a simple process.
Here’s how to add a Discover authorized user:
Online: Log in with your username and password and select the account you want to add the authorized user to. Select “Manage,” then “Manage Authorized Users” under the section “Manage Cards.” Click “Add Authorized User” and enter the required information before submitting your request.
By phone: Call customer service at (800) 347-2683 to request an authorized user. Enter your card number to be connected to a representative, then give the representative all the requested information.
Required info: You’ll be asked for the authorized user’s name, Social Security number, date of birth and address.
User limitations: Each Discover credit card account can have as many as 5 authorized users.
Rewards, Rates & Fees: Authorized users get the same rates and rewards as the primary account holder, since it’s the same account.
Credit Reporting: Discover reports authorized user accounts to all three major credit bureaus: Experian, Equifax and TransUnion. This can be great for helping your users build credit.
Adding a Discover card authorized user is easy. And you’ll be required to provide the same information online or by phone.
To add a Discover it card authorized user, log in to the Account Center or call 1 (800) 347-2683. For either method, Discover requires a name, address, birthdate and Social Security number for all authorized users, up to a maximum of 5. Authorized users will receive their own card and can make charges and earn rewards while building credit. Authorized users cannot update account information, report lost or stolen cards, make balance transfers or cash advances, and other account-related activities. The primary cardholder is financially responsible for all charges on the account, including those by the authorized user. Any reported negative activity on the account will damage both the primary cardholder’s and the authorized user’s credit scores.
You can only have 2 Discover credit cards at the same time. To get your 2nd Discover card, you must have had the 1st card open for at least 1 year. Your 2 Discover cards can be different or the same, but only of them can be a student card or a secured card. Some people might get 2 of the same card to get around and double their quarterly spending limits for bonus categories. If you want 2 Discover cards, it’s probably best to have them cover different needs. For example, you could get 1 … read full answerDiscover it® Cash Back card for your everyday spending and 1 Discover it® Miles card for travel purchases.
Here is how many Discover cards you can have:
As a primary cardholder: Up to 2 accounts. You must have the 1st card open for a year before getting a second. Your 2nd card can be different or the same, but only one can be a student or secured card.
Per account: You can get up to 5 cards for authorized users per account.
As an authorized user: There’s no limit reported for how many Discover accounts you can be an authorized user on.
To add a Discover it card authorized user, log in to the Account Center or call 1 (800) 347-2683. For either method, Discover requires a name, address, birthdate and Social Security number for all authorized users, up to a maximum of 5. Authorized users will receive their own card and can make charges and earn rewards while building credit. Authorized users cannot update account information, report lost or stolen cards, make balance transfers or cash advances, and other account-related activities. The primary cardholder is financially responsible for all charges on the account, including those by the authorized user. Any reported negative activity on the account will damage both the primary cardholder's and the authorized user's credit scores.… read full answer
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