Chip Lupo, Credit Card Writer
@CLoop
To add a TD Bank authorized user, log in to your TD Bank account online and click the “Accounts Summary” tab, or call customer service at 1 (888) 561-8861. You will need to provide their full name and birth date to add them as an authorized user.
A primary cardholder can make anyone a TD Bank authorized user, as there are no minimum age requirements. There’s no limit to the number of authorized users you can add to an account, though.
How to Add a TD Bank Authorized User Online
- Log in to your TD Bank account.
- Click the “Accounts Summary” tab.
- Click “Authorized user” under the “Manage credit cards” menu.
- Enter the authorized user’s full name and birth date.
- Click “Continue.”
When you add a TD Bank 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. TD Bank authorized users are able to make purchases and earn rewards. However, they cannot ask for credit limit increases, access the account online, set spending limits, 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. TD Bank 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.
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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