One other limit: All authorized users must be at least 13 years old. If you don’t, the authorized user’s card will be deactivated. You don’t have to provide authorized users’ birth dates and Social Security numbers immediately when applying for the card, but American Express does require you to provide this information within 60 days of application. When adding authorized users, you need to provide the person’s name, date of birth and Social Security number. You can then click on “Add Someone to your Account.” On your account page, scroll down until you see the “Useful Links” option on the right side of the page. First, log in to your American Express account.
#Capital one how to add another user how to#
How to add an authorized user to your American Express accountĪdding authorized users to your American Express account is a simple process. But you can add friends or even people who work for you, such as a nanny or babysitter. Most people add family members, maybe their spouse or children. You can add anyone you’d like as an authorized user. And if it goes awry, you can easily remove that person from your American Express account whenever you like. Every purchase authorized users make on your card will count toward your rewards bonuses. One benefit for you as the primary cardholder? If you have an American Express credit card that generates rewards, authorized users can help you build those points faster. So it’s crucial to add only authorized users you trust to use your card responsibly and to reach an agreement first on how much they can charge and when they need to pay for those purchases.Īdding an authorized user to your American Express card primarily benefits them, not you. Every time you make an on-time payment, it’s reported to the three national credit bureaus – helping your authorized users improve their score, as well as yours. But those users are not responsible for paying those charges.
Every purchase that an authorized user makes goes onto your account. Just be careful: Authorized users can cause you financial pain if they overspend each month.Īn authorized user is someone who can use your credit card account to make purchases. Consumers need it to get approved for a mortgage or car loan – and to qualify for the best credit cards at the lowest interest rates.Īdding someone as an authorized user on your American Express credit card account can help them build a credit score if they lack one, or improve one that’s weak.
Having a strong credit score is important.
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