An authorized user gains access to your credit card without legal liability for the debt. While this can help them build credit and share your card's perks, you remain solely responsible for every charge they make. Always monitor spending and only add individuals you trust with your financial reputation.
Adding an authorized user can build credit and boost rewards, but it carries risks. Learn how to manage authorized user accounts safely and effectively.
Learn how to optimize your household spending as a couple by auditing your budget, selecting the right cards, and using authorized users to maximize rewards.