 TITLE: Credit Card Authorized User: What You Need to Know CONTENT: What Responsibilities Does an Authorized User Have?\n---------------------------------------------------\nOfficially, an authorized user is not expected to pay their portion of the monthly bill directly to the card issuer. But in order to build responsible credit habits—and avoid buying more than they can afford, leaving the account owner with the bill—it's typically a good idea for an authorized user to cover their charges.\nTo keep card balances under control, the authorized user should set up a payment arrangement with the primary cardholder. At the end of each month, for example, the authorized user could transfer an amount equivalent to their purchases to the account owner, or the account owner could send a request on Venmo or another payment app for the charges. Both parties should create accounts on the card issuer's website or mobile app so they can track their purchases. END