FlyerTalk Forums - Questions on Adding an "Authorized User" to Your Account

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Questions on Adding an "Authorized User" to Your Account

Questions on Adding an "Authorized User" to Your Account

1) Is it a "hard hit" (or soft hit), on the credit report, of either the authorized user or primary card holder, or both?

2) Is the approval of an "authorized user" based on the credit score of the authorized user or the primary holder, or both?

3) Have credit card companies stopped issuing "joint (credit card) accounts" and is "authorized user" the only option for two persons to jointly run expenses on one card?

Thanks.

Quote:

Originally Posted by edealinfo12345 (Post 27289191)

Questions on Adding an "Authorized User" to Your Account

1) Is it a "hard hit" (or soft hit), on the credit report, of either the authorized user or primary card holder, or both?

No hard or soft pulls. Some have been know to add a family pet as an AU.:)

Quote:

Originally Posted by edealinfo12345 (Post 27289191)

2) Is the approval of an "authorized user" based on the credit score of the authorized user or the primary holder, or both?

If you are approved the AU will also be approved.

Quote:

Originally Posted by edealinfo12345 (Post 27289191)

3) Have credit card companies stopped issuing "joint (credit card) accounts" and is "authorized user" the only option for two persons to jointly run expenses on one card?

No joint card accts. AU or employee card if you run a corporation.

Quote:

Originally Posted by philemer (Post 27290116)

No joint card accts.

This seems to be accurate for online rewards card applications, but I am not as confident if you go to a branch (especially for a basic card from a smaller issuer).