Got questions? We’ve got answers.
What is an Authorized User?
An Authorized User is someone you’ve added to your account without needing an application or credit check. They have access to your credit line and receive their own card to use, but are not responsible for payments.
What is an Account Manager?
An Account Manager is a type of Authorized User who has near-equal access as you including the ability to set up their own login to manage the account online.
Whose credit score will be affected?
Adding a user won’t impact your credit score—only the usual factors like payment history and available credit do that. As long as you and your user use your card responsibly and make payments on time, these actions can have a positive impact on your user’s score. And responsible card use and on time payments may help your user build credit.
To keep an eye on your credit, check outCreditWisefrom Capital One. It’s free for everyone, even if you don’t have a Capital One credit card.
How much does it cost to add a user?
Not a thing. There are no additional fees to add a user to your account.
