 TITLE: Credit Card Authorized User: What You Need to Know CONTENT: How to Add or Become an Authorized User on a Credit Card\n--------------------------------------------------------\nTo become an authorized user, ask a trusted family member or friend to add you to their account. Make sure you can rely on the account owner to pay their bill on time every month, and ideally that they pay their whole balance. The lower their utilization, the better; using more than 30% of an account's credit limit at one time can result in credit score damage.\nSome cards let the primary cardholder set spending limits for authorized users. But even if that's not possible, you can informally agree to spend up to a certain amount each month and pay back the cardholder by a certain date. END