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Thread: Authorized User on a Credit Card

  1. Junior Member
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    #1

    Authorized User on a Credit Card

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    I'm an authorized user on my husbands Chase card (with a fantastic limit) but it is not showing up on any of my credit reports. I was under the impression that Chase reports authorized users to the credit agencies. I have tried searching and it seems that most people are reported, especially if they are a spouse of the main user. Is there a way I can get this added to my report?

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  2. Navy Wife Extraordinaire
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    #2
    I don't know too much about it but I do work in the financial industry and my first thought is that the card would only be on the report for the owner of the account. You may be an authorized user but you aren't the owner and therefore not liable for the card.
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    #3
    Quote Originally Posted by katiebee View Post
    I don't know too much about it but I do work in the financial industry and my first thought is that the card would only be on the report for the owner of the account. You may be an authorized user but you aren't the owner and therefore not liable for the card.
    I'm an authorized user on two other cards and they show up on my report. One of the main reasons that my husband applied for the card was to help increase my credit score

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    #4
    Check with Chase and ask them why it is not showing up on your report.
  5. MilitarySOS Jewel
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    #5
    Thats odd. I added my husband to my Chase card three months ago and saw the impact on his credit score within a couple weeks.
  6. In vino veritas
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    #6
    Sometimes, due to being an A.U. as opposed to a main cardholder, the bank will, not on purpose, but forget to add you- credit score wise. Same thing happened to me, and Chase told me it happens not often, but often enough. Go to the bank and explain it. They will re-report it, and you should see an impact 1-3 months after you sort it out.

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