Authorized User Tradelines

While this isn’t an option for increasing your score, it can be a great way to boost your credit score as you get started. Besides that? If your primary account holder doesn’t support your payments, your balance could also be damaged. Before you decide, here’s what you should know about becoming an Authorized User Tradelines user

Authorized users: what does this mean?

Becoming an Authorized User Tradelines means using someone else’s credit card in your name. Even if you don’t have a primary account, you can make purchases and use the card as your own. To make you an Authorized User Tradelines, the primary account holder adds your name to their credit card account and allows you to use it. 

You’ll get a credit card linked to your account even if you don’t have all the permissions for your primary account. You may not be able to make changes to your account, such as request a credit upgrade or add more Credit Profile Number users. As an authorized user, you are not legally responsible for paying by credit or debit card, which remains the primary responsibility of the account holder.

Is there a limit to the number of Authorized Users one can add to my account?

Different cards may have additional restrictions depending on the issuer, so it’s essential to read your card’s terms and conditions before adding an Authorized User Tradelines. Some cards also charge authorized users, so this is something else to look out for.

How does an Authorized user affect your balance?

Becoming an authorized user can affect your balance in numerous ways. Accounts for which you are an authorized user will likely appear on your credit report. However, not all credit card issuers report authorized user credit report activity. Prior to being added as an authorized user, the primary account holder will need to verify that the three major credit card companies have approved user accounts. When the card issuer reports to the bureau, the account will usually appear on your credit report within 30 to 45 days.

Note, however, that not all issuers report to all three credit bureaus — and when they do, the time it takes issuers to report to the credit bureaus may vary. If an account appears on your credit report, the actions of the primary account holder could cause or affect your credit score.

(The extent to which this affects your creditworthiness depends on the rating model, as different models weigh creditworthiness factors differently.)

If the primary account holder has a strong history of making payments on time, this can increase your score positively. Also, it may be fair to your bankroll if your account balance is low. By dividing your total credit card balance by the total credit card limit, you can determine how much you’re using.

On the other hand, if the primary account holder fails to make a card payment, there is a risk of default – even late payment can have serious negative consequences. The same applies to large credit consumption on the account. Plus, as a Credit Profile Number user, using a secure card can help you build credit if your history is limited – a great option to consider: is Capital One Platinum Secured Credit Card.

What do you have to do to become an Authorized user?

Ensure you choose someone you can trust and who has healthy credit habits, especially those who pay their bills on time and maintain a low loan utilisation rate. Think carefully before you decide – while there are potential benefits to being an Authorized Tradelines user, incorrect account settings on your account could negatively impact your results.

The critical point is that even if your credit history is limited or needs revision, the creditworthiness of the primary account holder will not be affected by your addition as an Authorized User Tradelines. 

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Who is the official credit card user?

Since you don’t have to pay your bills, registering as an Authorized User Tradelines may not significantly impact your credit score. But it helps those with little or no credit history boost their scores. Ask anyone who uses part of their credit card limit and has a clear record of making payments to accounts that have been open for a long time.

Ensure the card issuer reports the Credit Profile Number to the credit bureau: Failure to show your authorized user status on your credit report will not improve your score. Becoming an Authorized User Tradelines may not increase your chances of getting approved for credit cards and loans.

Lenders reviewing your credit history want to see that you responsibly manage your credit account. Being a significant credit account holder has a more substantial impact on your credit score than being an authorized user. When editing your results, consider the following options:

  • Apply for a secure credit card. You may be asked to pay a deposit in advance if this is accepted.
  • Consider alternative options such as the Credit Profile Number, which requires no deposit.
  • A local credit union or business may offer you a loan.

What determines your credit rating?

As noted above, your credit rating is determined by several factors:

  • Payment history (35%): Your payment history is the most critical factor determining your creditworthiness. It shows potential lenders how often your payments were on time — or if they were late or missed.
  • Credit Usage (30%): Credit usage is simply a percentage of the available credit you’re currently using, no matter how complicated it sounds. This number is expressed as a percentage, and you must keep your figure below 30% to maintain your highest score.
  • Credit Age (15%): Keep your old and reputable accounts open to take advantage of your credit history, as history length also affects your credit score. 
  • Credit Mix (10%): The applicant’s credit report must include a variety of credits, such as a credit card account and a mortgage or car loan. 
  • Several requests (10%): While a credit check won’t hurt your account, there are many requirements, such as applying for a new credit card. To maintain a high credit score, limit the number of complex questions you ask about your credit score.

Credit card user authorization has many benefits:-

The primary use of adding Authorized User Tradelines to a credit card account is evident: it boosts your score.

  • Account-holders are accountable for lending to account holders like you. And you can add, if you’re not counted as a Credit Profile Number, it’s not easy for users – they talk to the company about your credit card and talk to someone who can add an Authorized User Tradelines path to your account.
  • Authorized users can add most credit cards through websites or business programs. Make sure additional credit card holders are not just different credit cardholders. There is a difference; Other credit card holders may also have a credit card on their credit report.
What about becoming a joint account holder?

It’s possible to open a co-credit card with some credit card companies. The primary difference between an Authorized User Tradelines and a joint account holder is that you have more responsibilities as a joint account holder.

You are legally obligated to pay any accrued debts with a joint account. Adding an account is also stricter – lenders expect you to meet their requirements as if you applied for a credit card yourself.

Authorized users usually don’t have this problem, as credit checks are generally not included. Formal consumer strategies are common for parents looking to help their children build credit.

If your parents have a positive credit history, you can ask them to add you as an Authorized Tradelines user. 

Joint accounts are more commonly used by couples who share finances and don’t mind that everyone has the same credit limit. Shared credit cards are not available for all credit cards and issuers.


Before you decide to become an official Authorized User tradeline, be smart. Adding yourself to a good account can take you one step closer to better credit and access to products and plans you may not qualify for.


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