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Authorized Card User?
Does it benefit me at all to be an autorized user on someone elses credit card account? This person has excellent credit. Would it be better to be on more than one account of theirs?
Asked by
freeman64076
1 year ago
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I was an authorized user in the past and yes it helped raise my score, especially because they had the card open for over 10 years. I am not sure about the multiple cards.
tweetymac 1 year ago
Sometimes I have clients who have no credit and it helps them just to get there credit started. Although be carefull, if the card holder maxs out thecard or misses a payment it will also show up on your credit.
shawatsea 1 year ago
piggybacking doesnt help your score anymore for the authorized user unless they are obligated on the credit card agreement to pay basically as a cosigner. They stopped this in 2010.
tsquad131 1 year ago
Actually so long as its family it still helps your score a little. What the credit companies did was stop the affect of piggy-backing on random strangers cards, because buisnesses kept popping up charging a nominal fee to attach you to a person with great credit history.
sverrett13 1 year ago