Having an authorize user on your credit card, does it effect your credit score?

Thanks in advance.

Yes. Anything having your name on it will affect your credit score.

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Originally Posted by s_cianci

Yes. Anything having your name on it will affect your credit score.

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Umm... no, you can have as many authorized users on your accounts as you please. As long as your payments are timely, there will be no negative impact to your credit. Since I have been in a position that involves the routine analysis of consumer's credit for nearly five years, take that as a fact. :cool:

If the authorised user charges the card to the max and / or if they don't pay the bill, you have to. But just havng them on the card does not hurt anything.

Authorized user - charges have no effect

YOU AS OWNER OF ACCOUNT - no negative effect if account paid on time.