Authorized user vs. joint account holder

It is important to note that there is a big difference between an authorized account user and a joint account holder. Joint credit card account holders are like co-signers of loans. Both people can use the account, and both are responsible for the debt, and the repayment affects both people’s credit history. On the contrary, an authorized user (also called “additional”, can use the account, but they are not responsible for the debt. As a result, the payments do not affect the credit history of an authorized user, because it is not “in their name , bill”.

So while becoming an authorized user may help you get comfortable using credit cards, it won’t help you build credit. If you ask a friend or family member to add you as an authorized user, keep this in mind. You may get some practice, but it won’t help you build credit.

If you are learning how to use credit, it is best to link an authorized user account with a secured credit card. This allows you to practice and learn from an experienced credit user and build your credit.

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