 TITLE: Credit Card Authorized User: What You Need to Know CONTENT: An authorized user is a person added to a credit card account by the primary cardholder. Anyone can be an authorized user, as long as they meet the card issuer's age requirements; for instance, the primary cardholder may choose to add their child, spouse, partner or close friend as an authorized user.\nThere may be a fee for adding an authorized user. Cards that charge an annual fee might also charge an authorized-user fee, which could be $75 or more.\nWhile an authorized user can make purchases with their card (assuming the cardholder agrees), the liability for making payments lies only with the primary cardholder. The credit card issuer will expect the primary account owner to pay the monthly bill as normal, no matter who made the purchases. END