Legally, there is no minimum age for an authorized user on a credit card. That’s because authorized users aren’t entering into any kind of contract or borrowing money in their own name. But some credit card companies have their own requirements. Barclaycard authorized users must be at least 16 years old, for example, while U.S. Bank requires you to be 15 or older. American Express and Discover also use 13 years old as the minimum age for authorized users on the credit cards they issue. None of the other 15 largest credit companies have minimums, though. You could make a newborn an authorized user on your account if you want to.
No matter how old the authorized user is, adding one is an important decision. On the one hand, it’s a great way for a young person to build credit before they’re old enough to qualify for their own account. But on the other hand, the primary accountholder has to be comfortable assuming responsibility for any charges the authorized user makes.
Here’s the minimum age for an authorized user on a credit card:
If you’re worried about an authorized user being irresponsible with your account, several banks allow you to manage your user’s access to credit. For instance, you may be able to set individual spending limits or get alerts when the user makes new purchases. Sometimes, you can even make it so that all purchases must be approved by you before they go through. That way, you can give someone young experience with credit while still laying down restrictions.
I think 15, maybe lower? In any case, 15 is pretty young to be given credit cards. There might not be a legal limit, but there's always common sense.
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