If you’re working on your credit, becoming an authorized user on a credit card could be a good option to explore, but it’s important to weigh the pros and cons.
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At a glance: Credit cards mentioned in this article
Great for building credit Capital One® Secured Mastercard®
Cash back card that allows for joint account holders Bank of America® Cash Rewards credit
Becoming an authorized user on someone else’s credit card can be a simple and effective
tactic if you’re still working to establish your credit.
While it’s certainly not a substitute for building up your own credit history, it may be a good
way to give your credit a nice boost as you’re getting started.
The flip side? Your credit can also be hurt if the primary account holder doesn’t stay on top of their payments.
Before taking the plunge, here’s what you need to know about becoming an authorized user.