How do I add Wells Fargo Active Cash Card authorized users?

No, you cannot get a Wells Fargo credit card with a co-signer. Wells Fargo credit cards don’t allow co-signers or joint applicants. Even though you can’t get a Wells Fargo credit card with a co-signer, it’s still possible to have multiple people on one Wells Fargo credit card account. Cardholders can add … read full answerauthorized users for free, and they will share access to the card’s credit limit. However, the primary cardholder is responsible for all purchases that authorized users make.

When someone applies for a credit card with a co-signer, a second person adds their name to the application and promises to be held responsible for paying the bill if the primary applicant cannot. The issuer will mainly consider the co-signer’s credit score and income when evaluating the application, which may enable someone who normally wouldn’t qualify for the card to get approved.

Joint applicants differ from co-signers in that both people have their credit scores and incomes weighted equally during the evaluation of the application, and they share equal responsibility for repayment if approved.

Your credit score may either improve or drop slightly when you are removed as an authorized user on a credit card. That is because the account history for the credit card will automatically drop off your credit reports upon removal. As a result, your score could see slight modifications when you are removed as an authorized user, depending on how the credit card account was managed.… read full answer

If the primary account holder paid the credit card bills late or used a lot of the card's available credit, being removed as an authorized user could actually help your credit score, for example. Either way, you can always add points to your score over time by using your own credit accounts responsibly. For more tips on how to improve your credit score, you can visit our guide on the subject.

Yes, an authorized user can affect the primary accountholder's credit score if the authorized user is able to charge purchases to the account, either with their own card or because they know the account number.

Simply adding an authorized user to an account will not have an impact on your credit score, as the owner of the account. If, for example, the authorized user has a lower credit score than you, it won't hurt your credit score by association or anything like that. But if the authorized user racks up a bigger balance than you were planning on, it could hurt your credit score by increasing your credit utilization. Expensive debt also increases the likelihood of missed payments, which would hurt your score, too.… read full answer

So, the bottom line is that an authorized user can indirectly cause some credit score damage, but not if they don't have spending privileges.