How to add another user to your credit card account

If you want another user to have access to your credit card account, you can request a second credit card for that user. You can request that second credit card when you first complete your application, or you can go back later and add another authorized user. Keep in mind, however, that you are ultimately responsible for any and all charges made by that new user.

Credit Card Application

You can easily request another card when you first apply for your credit card. The bottom of the credit card application includes a special section you can use to add a second authorized user to your account. Simply fill in that portion of the application and submit it for processing. You need to provide the Social Security number of the applicant, as well as that applicant’s signature. When the application is approved, both you and the second user will receive a credit card in the mail.

Credit Card Application

Watch For Special Mailings

After you have your own credit card in your possession, you may receive special mailings from time to time encouraging you to add an authorized user to your account. If you have a rewards card, you might even be offered reward points for adding a new user to the card. If you do receive one of these special mailings, you can simply enter the name and address of the new user on the form and send it back in the postage-paid envelope.

Go Online

If you do not receive a mailing encouraging you to add an authorized user to your account, you can log on to your account online and request an additional credit card for another user. You need to provide the full name of the new user, as well as the address the card should be sent to. You may also be able to add an authorized user over the telephone, although not all banks provide this service. Keep in mind that you are ultimately responsible for all charges on the credit card, including those made by the new user, so only issue extra cards to people you trust.

Fraud Alert

In some cases the addition of an authorized user could trigger a fraud alert on your credit card, so it is a good idea to contact the issuer and let them know that you have requested an additional card for another user. Taking this step can head off any fraud alerts or automated processes that are set up to prevent identity theft and protect your account from unauthorized use.
It is generally quite easy to add a new user to your credit card, especially if he/she is part of your family. The tips listed above will definitely help you make it quick and safe.

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