Chip Lupo, Credit Card Writer
@CLoop
To add a PenFed Power Cash Rewards authorized user, fill out and submit the PenFed authorized user form, and call customer service at 1 (800) 247-5626. You will need to provide the person’s full name and relationship to you, their Social Security number or ITIN, and date of birth to add them as an authorized user.
A primary cardholder can make anyone a PenFed Power Cash Rewards authorized user, as long as they are at least 15 years old. There is a limit of 3 authorized users allowed on the account, though.
2 Ways to to Add a PenFed Power Cash Rewards Authorized User
- Call PenFed customer service. Call the number on the back of your credit card, follow the prompts, and ask a representative to add your authorized user.
- Submit the PenFed authorized user form. Fill out this form and securely upload it on PenFed's website, or mail it to: PenFed Card Services, PO Box 70046, Springfield, OR 97475-99012.
When you add a PenFed Power Cash Rewards authorized user, they will receive their own credit card, sent to your mailing address, within 5 - 7 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. PenFed authorized users are able to make purchases, earn rewards, and make payments. However, they cannot add or delete cardholders, or terminate/modify the existing account agreement.
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. PenFed 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.
PenFed Power Cash Rewards Visa Signature® Card
PenFed Power Cash Rewards Visa Signature® Card
People also ask
Do authorized users build credit?
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...
read full answerHow do I remove an authorized user from my credit card?
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...
read full answerIs there a minimum age for an authorized user on a credit card?
No, there is no legally required 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. As a result, many issuers do not have age requirements when it comes to authorized users. This means you could even make a newborn an authorized user on your account if you want to. Just note that some credit card companies have...
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