Best Credit Card Offers specially for you

About Us  |  Contact Us  |  Articles  |  News  |  Tips  |   Tools
ADVERTISER DISCLOSURE is an independent, advertising-supported web site which is compensated by the credit card issuers whose offers appear on the site. This compensation may impacts how and where the credit products appear on our site, including, the order in which they may appear within credit product lists. does not review or offer all available credit products.

Three Things to Know Before Adding an Authorized User to Your Credit Card

[Wednesday, June 12th, 2013]

Adding an authorized user to your credit card account is a relatively simple thing to do. Just call up your credit company, provide them with some information about the person you’d like to add, whether they are a relative, friend, employee—and you are all set. But before you add your boyfriend, stepdaughter, new hire or long-lost cousin to your account, consider these three important facts about adding an authorized user to your credit card account:

  • Your friend, employee, or loved one’s use of the card will affect your credit report. Yes, it is not your name on the card – but as the primary cardholder, you are responsible for any debt incurred, not the authorized user. If your card gets charged up to your total credit limit, it is your debt-to-credit ratio that will be negatively affected. If the authorized user makes a purchase that goes over the credit limit, you will be charged an over-the-limit fee. And if you have an agreement that someone else is going to pay the bill, make sure it is paid on time. If it isn’t, the late payment will go on your credit history (and the fee will get tacked on to your bill).
  • In light of the above, it’s good to know that many credit cards will allow you to place limits on your authorized user’s card activity. American Express lets users put different credit limits in place for each authorized user. So you may have a credit limit of $25,000—but you can put a limit of $250 on your son’s card if you wish. Just be sure to disclose this to him first, so he doesn’t get a rude surprise when he tries to pay for a fancy dinner date and the card is turned down. This is a very useful feature for business credit cards too, as you may want to set different limits for different employees when passing out company credit cards.
  • If the authorized user lives at a different address than you, they will need to memorize your address—or at least your zip code. There are plenty of reasons why cardholders on the same account might have different addresses. You daughter off at college may have a card linked to your account, or you might have made your father who lives two states away a cardholder on your account. In any case, there can only be one address registered as the primary address on the account. That means if anyone is using your credit card account to buy something online and needs to fill out the billing address, they need to enter the primary cardholder’s address. When using the card at an ATM or other automated ticketing service machine, they may be asked to enter their zip code: that will be your zip code, not theirs.

Giving a credit card to a family member or employee can be a convenience for both of you; just be sure you know what you are getting into, and head off misunderstandings before they happen.

Read also

Chase Student Card: Now Apply Online
[April 8th, 2020]

Chase has just made its Freedom® Student credit card accessible for online application, which is quite opportunely considering the current state of affairs with the COVID-19 pandemic. Let it be recalled that the card is the first Chase credit card designed specifically for students. It was introduced in 2019, but the only way to apply […]

Continue reading ››

Where to Go for Chase 5% Cash Back in 2020
[December 26th, 2019]

2019 flew by, and now only a week remains until 2020. Most issuers of cashback credit cards have already announced their bonus categories for all 4 quarters of the next year. Chase is no exception. However, the bank disclosed only the first quarter categories leaving the remaining three under a veil of secrecy with the mark “coming soon”.

Continue reading ››

The Average Credit Score in the U.S. Reaches Its Peak
[September 13th, 2019]

FICO, or Fair Isaac Corporation, is a data analytics company best known for its credit scoring model. As the FICO’s official website says, the FICO® Score is currently used by 90 of the top 100 largest U.S. lending institutions.

Continue reading ››
Copyright © 2003-2021 All Rights Reserved strives to keep credit card information up to date and accurate. However, all the credit card information is presented without warranty and can be changed by the credit card issuers at any time. Click the "Apply online" button to see the online credit card application and to review current credit card terms and conditions. Note that can be compensated by credit card issuers when the visitors apply for a credit card through the website.
* The webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the website are property of their respective owners.
Information in these articles is brought to you by Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles.
Disclosure: Not an access card.