Consumer Comeback Blog

Credit Score Glossary: Authorized User

Authorized User: A person who is given permission by a credit card account holder to purchase goods and products using the account, but is not responsible for repaying the debt.

Authorized users differ from joint account holders because an authorized user does not have to go through a credit check to be added to the account. Keep in mind that the credit card account will appear on the credit reports of both the account holder and authorized user, so a poor payment history can negatively affect both parties.