How to Add an Amazon Credit Card Authorized User (2024)

FAQs

How to Add an Amazon Credit Card Authorized User? ›

You can add an Amazon Credit Card authorized user from your online account. Sign in to your account, and then select “Add an authorized user” from the “Account Services” menu. Fill out the form and click on the “Add Authorized User” options.

The primary cardholder has to add an authorized user. This can be done by calling the credit card issuer or logging onto the online account. Many issuers will issue a second card for the authorized user, but it will generally be mailed to the primary cardholder, who can choose to give it to the authorized user or not.

Being added as an authorized user on another person's card may help you establish a credit history or build your credit. Yet cardholders and authorized users' on-time, late or missed payments will be added to both parties' credit reports, so it's important that cardholders and authorized users see eye to eye.

When you become an authorized user, the account is added to your credit report, which means on-time payments by the primary cardholder will help you build good credit history.

Adding a user won't impact your credit score—only the usual factors like payment history and available credit do that. As long as you and your user use your card responsibly and make payments on time, these actions can have a positive impact on your user's score.

While few credit cards allow joint cardholders, many credit issuers allow you to add your partner as an authorized user on your credit card. That way, your partner can use your line of credit to make purchases — and, in some cases, use your credit history to build their credit score.

If the lender doesn't report activity from authorized user accounts to the credit bureaus, then those accounts won't influence your credit rating. Authorized user accounts must show up on your credit report to affect your credit score.

Will removing an authorized user hurt their credit? It depends on the situation. If the card in question has been well maintained with on-time payments and low credit utilization, removing the authorized user from the account will effectively erase that positive payment history from their credit report.

If you have balances on credit cards of your own, adding an authorized user account with a high credit limit and/or a low balance could lower your utilization rate and benefit your credit score: The total amount of credit available to you will increase by the amount of the unused credit on the card (and your total ...

Can an authorized user be denied? ›

Reasons for denial might include age restrictions or limits on the number of authorized users instead of the creditworthiness of the authorized user—typically, a hard credit pull is not made when an authorized user is added to a card.

The better option is to set them up as an authorized user. For one, card issuers consider the lowest credit score when looking at a joint application, which can result in higher interest rates and lower credit limits. Also, sharing a card gets murky if you end up getting separated or divorced, Muscadin says.

You can become an authorized user by asking the primary user to add you to the card. Many do not require a Social Security number. Having the additional credit line can help you get on the U.S. credit radar.

You can add an Amazon Credit Card authorized user from your online account. Sign in to your account, and then select “Add an authorized user” from the “Account Services” menu. Fill out the form and click on the “Add Authorized User” options.

To add a new user:

Click on “Add Users”. Enter the email address for which you want to grant access to your account, and select the access level in the drop down menu. Click the “Submit” button. An invitation email will be sent to the email address you entered above with instructions to sign up and join your account.

Others allow the primary cardholder to set spending limits on each authorized user. Review the entire account history. You might be able to see the entire account history, including the primary cardholder's transaction and payment history.

Being an authorized user can help you build credit—increasing your credit age, overall credit limit and history of on-time payments—but creditors will also want to see that you're up to the task of repaying the money you borrow.

If the lender doesn't report activity from authorized user accounts to the credit bureaus, then those accounts won't influence your credit rating. Authorized user accounts must show up on your credit report to affect your credit score.

Will adding my child as an authorized user help his or her credit? Yes, adding children as authorized users can help their credit scores. It's up to the primary cardholder to maintain a healthy credit score so the authorized users can reap the benefits.

Will removing an authorized user hurt their credit? It depends on the situation. If the card in question has been well maintained with on-time payments and low credit utilization, removing the authorized user from the account will effectively erase that positive payment history from their credit report.