 TITLE: What Rights Do You Have As an Authorized User on a Credit Card? CONTENT: What Can and Can't You Do As an Authorized User?\n------------------------------------------------\nAs an authorized user, you have certain rights. Keep in mind there may be limits or fees imposed on what you can do with the card, and be sure you fully understand any potential repercussions before taking action. For example, you can:\n*   Use the physical card to make purchases at retailers\n*   Add the account information to your mobile device and make purchases\n*   Buy things online or over the phone\n*   Withdraw cash advances from the ATM\n*   Remove yourself from the account at any time (in most cases)\nOf course, there are also things you can't do as an authorized user. These include:\n*   Change the mailing address and have the statements sent to you\n*   Close the account\n*   Increase the limit\n*   Add additional users\nAnd then it gets tricky. Because authorized-user policies can vary by card and card issuer, the rules you're used to with one card may not apply to another card you're added to. For instance, some credit card issuers permit authorized users to access account information online. If yours does, you may be able to make payments, which could come in handy if the primary account holder is unable to or expects you to cover your own charges.\nOther issuers even allow authorized users to redeem accumulated rewards. In that case, you could do things like use points to book airfare and hotel rooms (with the primary cardholder's permission, of course).\nBefore making your first purchase, it is critical to know that no matter how much you spend with the card, the primary cardholder will be on the hook for your charges. You are under no legal obligation to pay the issuer, but that doesn't automatically absolve you from the debt. The primary account holder could take legal action against you in pursuit of payment if you went back on a promise to pay them back.\nMore, the primary account holder can remove you as an authorized user at any time and without advance warning. If you're removed from the account, you may only realize it when you try to make a charge and it gets declined. END