To add a USAA authorized user, log in to your USAA account online and click the “Account Services” tab, or call customer service at (800) 531-8722. You will need to provide the person's full name, USAA number, Social Security number, citizenship, and date of birth to add them as an authorized user.
A primary cardholder can make anyone a USAA authorized user, as there are no minimum age requirements. USAA does limit you to a maximum of ten authorized users per account, though.
How to Add a USAA Authorized User Online
- Log in to your USAA account.
- Click the “Account Services” tab.
- Click “Request an Additional Card for Someone Else” under the “Card Services” menu.
- Enter the authorized user’s full name, USAA number, Social Security number, citizenship and date of birth.
- Click “Add.”
When you add a USAA authorized user, they will receive their own credit card, sent to your mailing address, within 5-10 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. USAA authorized users are able to make purchases and balance transfers, take out cash advances, and access account information. However, they cannot request a higher credit limit or change payment information.
In addition, any purchases an authorized user makes on the account will appear on your statement. But you, as the primary cardholder, are responsible for all purchases on the account. USAA 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.
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