Minor history card holder

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Primary Account Holder

What Is a Primary Account Holder?

The term primary account holder refers to the main user of an account such as a credit card, bank account, or even a debt vehicle such as a loan. This is the person who is legally responsible for the debt and balance along with the maintenance of the account. This individual can also make changes on the account including issuing access and/or cards to other authorized users.

Key Takeaways

  • A primary account holder refers to the main user of an account such as a bank or credit card account.
  • Primary account holders are legally responsible for the account and can also name authorized users.
  • Primary account holder procedures and liabilities can differ across various types of accounts.
  • Joint account holders share responsibility for an account and are both considered primary account holders.

Understanding Primary Account Holders

The person who makes the initial application to open an account or to apply for credit is referred to as the primary account holder. The financial institution uses its financial profile in order to approve the account.

With most financial accounts, the primary account holder has the option to allow authorized users to have access to the account. These people are known as secondary account holders and, in the case of credit cards, authorized users are also called additional cardholders. With authorized users, the primary account holder is still fully liable for all charges on the account, including charges made by both the primary account holder and any additional users on the account.

Primary account holder procedures and liabilities can differ across various types of accounts. The two main accounts set up by an individual primary account holder include checking accounts and credit card accounts.

Types of Primary Account Holder Accounts

As noted above, primary account holders can be named in several different kinds of accounts. Here are two of the most popular accounts where primary account holders may be listed.

Checking Accounts

Checking accounts typically require less of a detailed background check for approval than a credit card account. These accounts, however, will request a variety of personal information from the primary account holder for approval including their full name, address, and Social Security number (SSN).

A primary account holder approved for a checking account receives a debit card and checks. A debit card is typically the primary way account holders make payments and access their funds. Primary account holders have the option to add an authorized user which provides an additional card for each user.

Credit Cards

The primary account holder is the person who applies for the credit card. As such, the issuer considers the primary account holder's credit score when deciding whether to extend credit. The primary account holder may request that the credit card company issue additional cards to authorized users.

In some cases, the issuer may not pursue authorized users for any unpaid balances. The primary account holder also has the authority to discuss account details with the credit card issuer, dispute transactions, request a credit limit increase, redeem cashback or reward points, and close the account.

Primary Account Holder vs. Secondary Account Holder

Authorized users are called secondary account holders. These people may have access to certain parts or all of an account as outlined by the primary account holder such as signing authority. This is especially true for business accounts where a secondary holder may be able to make deposits at the bank but may not be able to withdraw money from the account.

In most cases, the secondary account holder has no legal responsibility for the account. This means the institution cannot go after this person in the event of any fraud or problems. This means the primary must assume the liability over everything the authorized user does including the balance. So the account owner must assume responsibility for any withdrawals a secondary makes if they are authorized to do so.

A primary account holder assumes responsibility for anything an authorized user does on an account.

Primary Account Holders vs. Joint Account Holders

Some financial institutions offer joint accounts to their consumers. These accounts allow two individuals to be considered primary account holders. Joint accounts are often common for married couples or family members such as a parent and a child. In a joint account, each account holder can be held responsible for the charges made on the account and not just for the portion they personally charged to the account with their name on it.

Either individual can also add authorized users to the account. Both joint account holders share the responsibility for all charges made by each other and any authorized users.

Sours: https://www.investopedia.com/terms/p/primary-account-holder.asp

Apply for a blue card or exemption card

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To work or volunteer in regulated child-related employment or operate a regulated child-related business in Queensland, you may need a blue card.

If you do need one, you must have it before you start working with children—under the No Card, No Start laws that started on 31 August 2020.

You can apply for a blue card before you find work. Having a blue card means you can start in child-related employment without delay.

If you apply before you find work, you need to pay the fee for your blue card application and indicate that you are a jobseeker on the application form.

Volunteer and student blue cards continue to be free; however, you need to be linked to an organisation to have the fee waived.

If you are a registered teacher or sworn police officer, you may need to apply for an exemption card. If your card does not have an expiry date, you must renew it by 31 August 2023 or it will automatically expire. There is no application fee for exemption card applicants.

If you are an existing card holder, make sure you renew your card before it expires to continue working with children while we process your renewal.

Disability worker screening check

If you need a disability worker screening check as well, contact the Disability Services on 1800 183 690 to get a 'disability worker screening and working with children check application'.

Or if you already hold a disability worker screening check and need a blue or exemption card, use either:

Find out more about the disability worker screening check.

How to apply for a blue or exemption card

To apply for a blue or exemption card, follow these 3 steps.

  1. Have a customer reference number (CRN) from the Queensland Department of Transport and Main Roads (TMR)
  2. Register for an online account. This is how we verify your identity and obtain the photo for your card.
  3. Apply for your blue or exemption card using the online applicant portal or download the paper form.

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Apply online

You will need to register for a Blue Card Services online account before you can apply for your blue or exemption card. You only need to register once.

Once you have registered for your online account, you must log in to the online applicant portal to apply for or renew your card.

For a smooth application process, we suggest reading Before you apply and other instructions, below.

Note: The online application works best on desktop or tablet devices, and using current browsers such as Chrome, Firefox, Safari or Edge. There may be compatibility issues with older browsers, such as Internet Explorer 11 or earlier.

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Before you apply

Before you apply, you should:

Submit a paper application

Please contact us if you would like to apply online but are having issues accessing the online applicant portal.

If you can’t apply using the online applicant portal, you can download and complete a paper application.

You can submit your paper application to us by:

Once downloaded, you will need to write your CRN on the form. Our paper forms have instructions on how to complete the application. You will need to submit a certified copy of either your ID or CRN letter with your application.

Processing and approval times may take longer for paper applications.

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Processing time frames

Applications made online using the online applicant portal are processed quicker than paper applications.

Applicants with no criminal history information should generally allow up to 28 days for an application to be processed.

Applications take longer to process if there is any information missing or if we receive criminal history or other information from the blue card check.

Find more information on processing time frames.

National criminal history checks

If have you have applied for a blue card, please note that national criminal history checks are currently taking longer than usual due to various interstate lockdowns.

Unfortunately these delays are outside of our control. We apologise for any inconvenience this may cause.

Receiving your blue or exemption card

If your application is approved, we will notify you by email or post that your working with children check has been approved.

You can then start or continue in child-related work straight away. We will send your physical blue/exemption card to your postal address that you provided in your original application.

If you did not receive your card because your address changed between when you applied and when your application was approved, you will need to apply for a replacement card and pay the prescribed fee.

You do not need to have your physical blue/exemption card before you can start working or volunteering with children.

We do not require you to carry your card with you while working. However, this may be a policy of the organisation's child and youth risk management strategy.

You or your employer can validate your blue card/exemption card at any time after you receive your working with children check.

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Withdrawing your application

You can withdraw your consent to screening at any time before a decision is made about your application. Contact us to do this.

Check your eligibility

To help ensure the safety of children and young people in Queensland, the blue card system stops certain people from holding or applying for a blue card.

Find out if you are eligible to hold a blue card.

Prove your identity

We work with the Department of Transport and Main Roads (TMR) to verify your identity and obtain the photo for your blue/exemption card.

You will need a customer reference number (CRN) from TMR before you apply for your blue card. You can find this number on any product TMR has issued to you, such as:

  • a driver licence
  • marine licence indicator
  • photo identity card
  • industry authority

Queensland drivers' licence indicating placement of customer reference number

If your photo was taken more than 6 years and 9 months ago, you will need to have a new photo taken at a TMR service centre.

If you are coming from interstate or overseas, the fastest and easiest way to get a CRN is to visit a TMR service centre when you arrive in Queensland. If you have the necessary ID documentation, TMR can take your photo and issue your CRN while you wait. You can then apply online for your blue card.

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Getting your CRN and photo

If you don’t have a CRN, or if your photo was taken more than 6 years and 9 months ago, you will need to visit a TMR service centre.

At the counter, explain that you are applying for a blue card and ask for a CRN or an updated photo.

To get a CRN:

  • take your acceptable identity documents to prove your identity
  • let the staff take your photo
  • wait for the letter/email confirming your CRN and keep it in a safe place.

You will need the CRN to register for an online account and apply for your blue card.

To update your photo, take your TMR product with you when you go to the service centre. They will also keep the photo on file for the next time you renew your TMR product.

There is no fee for the CRN or the photo.

To access this service:

If you can't access a TMR service centre

You can apply for a CRN and photo by completing a remote pack if you either:

  • live interstate
  • live in a remote area of Queensland and cannot get to a TMR service centre
  • if it is genuinely unreasonable or difficult for you to attend a TMR service centre.

Please contact us on (07) 3211 6999 or 1800 113 611 or send us an email to request a remote pack.

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Payment options

You may need to pay a fee when you submit your application. Renewals cost the same as new applications.

Payments are usually non-refundable.

You do not have to pay for your blue card application if you are:

  • a volunteer who is linked to a child-related organisation (who does not also do paid work with children)
  • a trainee student
  • a business operator who does not operate for profit
  • a person applying for an exemption card.

Find out more about fees and view our refund policy.

If your application requires payment, you will need to have a:

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Sours: https://www.qld.gov.au/law/laws-regulated-industries-and-accountability/queensland-laws-and-regulations/regulated-industries-and-licensing/blue-card/applications/apply
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Questions to Expect in a Green Card Application



Questions for Both Spouses


Throughout the application process, each spouse will complete different forms, but many of the questions will be the same for both spouses. You’ll want to make sure that your answers are consistent for questions appearing on multiple forms.

Although some questions, such as those about your physical attributes, might seem irrelevant, it’s important that you provide complete answers to help the U.S. government verify your identity and avoid processing delays.

BASIC PERSONAL INFORMATION

  • What is your current legal name?
  • What other names (aliases, maiden name, nicknames, and other legal names) have you used, if any?
  • When and where were you born?
  • What is your current mailing address?
  • What is your phone number?
  • What is your email address?

RESIDENTIAL HISTORY

  • Where do you currently live (if different from your mailing address), whether abroad or in the United States?
  • When did you start living at your current physical address?
  • Where else have you lived in the past five years, whether abroad or in the United States?
  • When did you live at each address?
  • Have you, as a couple, ever physically lived together?
  • When and where did you last physically live together as a couple?

PHYSICAL ATTRIBUTES

U.S. Citizenship and Immigration Services (USCIS) requires the following information, which does not affect the outcome of your application. The U.S. government will not discriminate against you based on these attributes.

  • What is your sex?
  • What is your height?
  • What is your weight?
  • What is your eye color?
  • What is your race (white, Asian, black or African American, American Indian or Alaska native, or native Hawaiian or other Pacific Islander)?
  • What is your ethnicity (Hispanic/Latino or not Hispanic/Latino)?

RELATIONSHIP HISTORY

  • When and where did you get married?
  • Were you previously married?
  • Besides your current marriage, how many other times have you been married?
  • What are the names of your previous spouses?
  • When did your marriage to each previous spouse end?

FAMILY HISTORY

  • What are the current legal names of your parents?
  • When and where were your parents born?
  • In which city and country does each parent live?
  • Is either parent, or are both parents, deceased?

EMPLOYMENT HISTORY

  • What is your current job?
  • When did you start working at your current job?
  • Where else have you worked in the past five years, whether abroad or in the United States?
  • What were your previous jobs?
  • When did you work at each previous job?
  • Are you currently unemployed, or were you unemployed, at any time during the past five years?

CITIZENSHIP AND IMMIGRATION STATUS

If applicable, you’ll be asked to provide personal identification numbers assigned by the U.S. government, such as the following:

  • Alien Registration Number (A-Number)
  • U.S. Social Security Number
  • Number on government ID card

LEGAL ISSUES

USCIS will check for criminal records for both the sponsoring spouse (U.S. citizen or current green card holder) and the spouse seeking a green card. Certain criminal convictions can lead to disqualification of a sponsoring spouse or denial of a green card.

  • Have you ever been arrested, charged, or convicted of any crimes (excluding minor traffic violations) in any country?

With Boundless, you get an experienced, independent immigration attorney to answer all of your questions and help you complete all required government forms. Ready to start?


Questions About the Sponsoring Spouse Only


The following questions appear on different forms, but all are primarily related to the sponsoring spouse (U.S. citizen or current green card holder).

YOUR HOUSEHOLD

  • Do you have any unmarried children under the age of 18?
  • Besides any children under 18, do you claim anyone else as a dependent on your tax returns? If so, how many?
  • Have you filed an Affidavit of Support (Form I-864) for anyone else before? If so, how many times?

FINANCES

  • What is the current annual income earned by you and your spouse in the United States?
  • Are there other people (your siblings, parents, or adult children) who will contribute their income to financially support your spouse (the applicant seeking a green card)? If so, how much additional income will they contribute?
  • Have you filed a federal income tax return for each of the three most recent filing years?
  • If you choose to include your assets with your earnings from employment to meet the income requirements for a marriage-based green card, what is the total value of your assets (bank accounts, investments, and property)?

PREVIOUS GREEN CARD APPLICATIONS

  • Have you previously applied for a green card for anyone else besides your spouse? If so, when and for whom?
  • Where were you living when you previously sponsored someone for a green card?
  • What was the result (approved, denied, pending, or withdrawn) of each previous green card application on which you were a sponsor?

PATH TO U.S. CITIZENSHIP OR PERMANENT RESIDENCE

  • Are you a U.S. citizen or green card holder?
  • Did you become a U.S. citizen or green card holder (permanent resident) through adoption?

ONLY FOR U.S. CITIZENS

  • Did you obtain U.S. citizenship through birth in the United States, naturalization, or your parents?
  • If you weren’t a U.S. citizen by birth, do you have a Certificate of Naturalization or a Certificate of Citizenship?
  • If you have such a certificate, what number appears on it, and when and where was it issued?

ONLY FOR GREEN CARD HOLDERS

  • Did you become a permanent resident (green card holder) by marrying a U.S. citizen or green card holder?
  • What was your “Class of Admission” (which appears on your physical green card)?
  • When and where were you first admitted to the United States?

With Boundless, you don’t have to worry about which number corresponds with which form. You simply answer a series of questions — typically within just a couple of hours — and the completed forms arrive at your doorstep. You can begin today!


Questions About the Green Card Applicant Only


The questions in this section are relevant only to the spouse seeking a green card and appear across several different immigration forms. The questions vary based on whether the spouse is living the United States or abroad.

Questions for all green card applicants

RESIDENTIAL HISTORY

  • Where and when did you last live outside the United States for more than one year?

WORK HISTORY

FAMILY HISTORY

  • What was your mother’s last name at birth (maiden name)?
  • What was your father’s last name at birth?
  • What are the names of your children, if any — whether biological, adopted, or stepchildren; married or unmarried; and living with you or elsewhere?
  • When and where was each child born?
  • Will your children be applying for green cards along with you?

IMMIGRATION HISTORY

  • What is your current country of citizenship or nationality?
  • Have you ever been denied or refused a visa or entry to the United States?
  • Besides your current spouse, has anyone else ever applied for a green card on your behalf?
  • Were you ever previously in the United States? If so, when did you arrive?
  • What was your status when you previously arrived in the United States?
  • What was your visa type when you previously arrived in the United States?
  • When will your authorized stay in the United States expire, or has it already expired?
  • What is your Form I-94 Arrival-Departure Record Number, if any?
  • What is the name on your I-94, if you have this form?
  • What is the immigration status on your I-94?
  • What is your passport number?
  • What is your travel document number, if any?
  • When and in what country was your passport or travel document issued?
  • What is the expiration date of your passport or travel document?

LEGAL ISSUES

GREEN CARD ELIGIBILITY AND ADMISSIBILITY

The questions asked in this portion of the green card application are too numerous to list in this guide. Briefly, this section asks about your involvement in any organizations or groups that the U.S. government may or may not deem threats to national security. It further asks if you have ever engaged, or plan to engage, in any type of illegal activity (such as human trafficking, money laundering, prostitution, and terrorism). Other questions include those related to your personal conduct, previous acceptance of public assistance benefits, and previous illegal entry to the United States, if applicable.

Questions just for green card applicants living in the United States

RECENT IMMIGRATION HISTORY

  • On your most recent arrival in the United States, did you enter legally or illegally?
  • What is the visa number, if any, from the passport you used on your most recent entry to the United States?
  • On your most recent entry to the United States:
    • Were you inspected at a port of entry and admitted as (for example, an exchange visitor, a visitor through the Visa Waiver Program, a temporary worker, or a student)?
    • Did you arrive without admission?
  • Have you ever previously applied for a green card through a U.S. embassy or consulate? If so, at which U.S. embassy or consulate?
  • If you’ve previously applied for a green card through a U.S. embassy or consulate, what was the decision (approved, denied, refused, or withdrawn) and when was the decision made?
  • If you wish to travel abroad and return to the United States on a travel permit, when and where is your trip, and what is its purpose?
  • Where do you want to receive your travel permit?
  • For how many trips do you intend to use your travel permit?

FAMILY HISTORY

  • Is your spouse currently a member of the U.S. armed forces or Coast Guard?
  • When was each of your previous spouses born?
  • When and where did you get married to each previous spouse?
  • What are your children’s Alien Registration Numbers (A-Numbers), if any?

WORK HISTORY

  • Have you previously applied for a work permit from USCIS? If so, when did you apply, at which USCIS office, and what was the result (granted or denied)?

Questions just for green card applicants living abroad

RESIDENTIAL HISTORY

  • Where have you lived since age 16?
  • When did you live at each address since age 16?
  • At what address will you live once in the United States?
  • Who currently lives at the address in the United States where you will live?
  • Where do you want your green card mailed?

WORK HISTORY

  • Where have you worked for the past 10 years?
  • Were you unemployed at any time during the past 10 years? If so, why?
  • In what occupation do you intend to work once in the United States?
  • Do you currently have more than one job? If so, what are your other jobs?
  • What is your current work phone number?
  • Have you ever served in the military of any country? If so, when and where, in what branch, and what was your specialty?
  • Do you have any special skills or training?

EDUCATIONAL HISTORY

  • Have you ever attended a high school or secondary school or an institution of higher education? If so, how many schools?
  • What is the name and address of each previous school?
  • What was your course of study at each previous school?
  • Did you receive a diploma or degree from each previous school? If so, what degree?
  • When did you attend each previous school?

MEDICAL HISTORY

The spouse seeking a green card is required to take a medical exam in order to make sure that they do not have any conditions that could pose a threat to people in the United States.

  • Do you have any communicable diseases that are a public health concern?
  • Do you have documented proof of vaccinations you’ve received?
  • Do you have a mental or physical disorder that could harm yourself or others?
  • Have you ever been a drug abuser or addict?

IMMIGRATION HISTORY

  • What other nationalities do you have or have you had in the past, whether you relinquished them or not?
  • Do you have a passport or travel document for each of the other nationalities you currently hold or previously held? If so, what is the passport number or travel document number?
  • If you were previously in the United States, have any of your U.S. visas ever been lost or stolen (if so, when and why) or cancelled or revoked (if so, why)?

FAMILY HISTORY

  • What is the year of death of either of your parents who is deceased?
  • How was your marriage to each previous spouse terminated?

Boundless mails to your doorstep your complete filing package — including the forms you’ll need to work, travel, and ultimately obtain your green card. Learn how we can help you, or start your application.




Sours: https://www.boundless.com/immigration-resources/questions-to-expect-in-a-green-card-application/

When a lawful permanent resident (green card holder) is arrested by law enforcement, the consequences may include revocation of the immigrant visa and deportation, even without a criminal conviction.

If you are a U.S. lawful permanent resident (green card holder) who has had a run-in with law enforcement authorities, you are right to be concerned. Criminal activity can lead to the loss of your permanent resident status and thus deportation -- in some cases, regardless of whether you were actually convicted of a crime.

What to Do After a Recent Arrest

If you are still facing criminal charges, speak to an immigration attorney immediately – even if you already have a defense attorney. Often, defense attorneys know little of how a particular strategy will impact your immigration status. And if you're found guilty, now is the time to make sure that the conviction and sentence will do the least damage to your immigration status.

You may have more choices than you realize. For example, if you could spend a little more time in jail in return for a reduced sentence that would protect your green card, would that interest you? An immigration lawyer can help you and your defense attorney discuss whether such options are possible, and devise a strategy before the process has gone too far.

If Proceedings Are Over: Were You Convicted of a Crime?

The big question, if you were arrested, is what happened afterward? In many instances, whether you can be found deportable depends on whether you were actually "convicted" of a crime. The term "conviction" means, under the immigration laws, that you were both found guilty and had some sort of punishment imposed. Also, in most U.S. court circuits, you were convicted of a crime only if the decision in your case is final, that is, not under appeal.

Being found guilty can include formal findings by a judge or jury, a plea of guilty or nolo contendere, or having admitted sufficient facts to warrant a finding of guilt. Punishment includes a penalty (such as a fine or community service) or a restraint on liberty (such as jail). (See the Immigration and Nationality Act at I.N.A. § 101(a)(48)(A), 8 U.S.C. § 1101(a)(48)(A).)

There are various situations in which you would not be found to have been convicted of a crime. For example, no conviction exists after a juvenile delinquency finding rendered in juvenile court, an acquittal, or a dismissal before conviction or after deferred prosecution or a deferred verdict (assuming that you didn't separately plead guilty or no contest, or admit facts sufficient to justify a conviction). See an immigration attorney for a full analysis.

What Crimes Can You Be Deported for Even Without a Conviction?

For a green card holder, indications that you have abused or are addicted to drugs can make you deportable. These are sometimes referred to as "conduct-based" grounds of deportability, because they depend on the U.S. government's assessment of your actions and admissions, not on whether you were convicted of a crime.

An even broader array of crimes can make a person "inadmissible." This is less likely to affect you as someone who already has a green card. It is primarily a concern for people applying for green cards and U.S. visas. However, if you travel outside the United States, your inadmissibility could be a problem if you try to return.

The Bottom Line: Consult an Attorney

Whether or not you've been convicted of a crime is just the begin of a long and complex analysis of the impact of your arrest on your status as a green card holder. The stakes are high, and the immigration laws give the enforcement authorities plenty of room to argue that even misdemeanors and other relatively low-level crimes should make the green card holder deportable. Get yourself a top-quality immigration lawyer as soon as possible.

Sours: https://www.alllaw.com/articles/nolo/us-immigration/what-happens-when-green-card-holder-arrested.html

History card holder minor

Do authorized credit card users help to build credit?

If you are just starting out in your financial journey — or have lackluster credit — building credit can seem impossible. How do you establish a credit history when you can't even get approved for a loan or a credit card?

Adding yourself as an authorized user on someone else's credit card could help to build and establish your credit.

However, there are some important factors to consider since becoming an authorized user can actually hurt your credit score if you're added on an account that is not in good standing. Therefore, it is important to carefully consider all sides of this process to find out if it is right for you.

What is an authorized user?

An authorized user is someone who is permitted to use another person's credit card. Once the original cardholder signs off on the authorization, the authorized user gets a card in their name that is linked to the original cardholder's account.

The authorized user will likely not receive a monthly statement for the credit card.

However, some credit cards can break out spending made by the authorized user within the balance statement so the cardholder can understand which charges were made by whom.

Who can be an authorized user?

Authorized users are typically family members, legal guardians or trusted individuals of cardholders, but anyone can become an authorized user on another's credit card.

What is the minimum age to be an authorized user?

Legally, there is no minimum age to gain authorized user status, yet most banks have their own minimum age policies regarding authorized users.

Do authorized users have spending limits?

Authorized users will be subject to the credit limit on the card, and the original cardholder may set spending limits for the authorized user if their bank or issuer allows it.

Do authorized users have to pay credit card bills?

The original cardholder is ultimately liable for charges incurred by an authorized user on their card.

How getting added as an authorized user can work for credit building

A credit check is not required to become an authorized user on someone else's card. Yet banks and card issuers will often report the full payment history of the card, including the names of each individual card user, to the three main credit bureaus: Equifax(R), Experian(R) and TransUnion(R).

That's how the authorized user approach serves as a credit building tactic. You don't need good credit (or any credit) to become an authorized user, but if the bank or issuer reports your card's full on-time payment history to the credit bureaus, you can begin to build a positive credit history.

How to build your credit as an authorized user

To build your credit history as an authorized user, consider these three details:

  1. Request to be added: Ask a friend or relative with good credit to add you as an authorized user. This can be requested by contacting the main account holder's bank or credit issuer. Not all banks and card issuers provide authorized users' card payments to the credit reporting bureaus. Before you go through the approval process, check with the main account holder to confirm that your payment history will get reported.
  2. Focus on a payment plan: The primary cardholder is responsible for paying the bill, but any missed or late payments will appear on both parties' credit reports. Be sure to communicate with the main account holder to ensure there is a secure payment plan in place to avoid late or missed payments that could hurt both the main account holder and authorized user.
  3. Work closely with the main account holder: It's important to avoid putting a strain on their card's credit limit. Be sure to arrange spending limits that can accommodate a shared card account, without damaging the primary owner's credit utilization ratio. This is the ratio between the total balance you owe and your overall credit limit to see how much credit you are using. Remember that the authorized user doesn't have to use the card to benefit from the good credit behavior of the original cardholder.

Is an authorized user the same as a co-signer?

While being added as an authorized user is not the same as earning credit card approval through a co-signer, they are both options to start your credit history if you have little to no credit. There are some important differences between getting added to a card as an authorized user or signing up for a card with a co-signer:

Authorized user vs.
Co-signer

Does this
method
require a
credit
check?

Will you
get a
card in
your
name?

Who is legally
liable for paying
credit card debt?

Will payment
history be
reported to the
credit bureaus?

Getting added to a 
credit card as an
authorized user

No
Yes
Cardholder
Usually 


Earning credit card 
approval with a
co-signer


Yes


Yes


If cardholder cannot 
pay, co-signer is
legally liable for full
payment


Yes

How to get added as an authorized user

Ideally, you will find a close relative with excellent credit who is willing to add you as an authorized user.

In order to get added as an authorized user on someone else's credit card, the cardholder will need to contact their bank or card issuer and request that you be added to their card account. They will need to provide some basic information to confirm your identity, as well as your name, Social Security Number, date of birth and contact information.

If the cardholder's request gets approved, you will receive a credit card with your name on it that is connected to the original cardholder's account. That person may opt to set spending limits on your card, depending on whether the bank allows it. Be sure to work with the main account holder so that you can be aware of any rules regarding card usage and specifics regarding payment reimbursement.

Building your credit the smart way

Being added as an authorized user on another person's card may help you establish a credit history or build your credit. Yet cardholders and authorized users' on-time, late or missed payments will be added to both parties' credit reports, so it's important that cardholders and authorized users see eye to eye. Be mindful of the following as you consider whether to get added as an authorized user:

  • Confirm with the account holder that the card's full payment history will get reported. They may need to check with the credit issuer or credit reporting agencies to confirm.
  • Work together to maintain the card account in good standing. Don't spend more than you are able to reimburse (if this is part of the agreement) the main account holder.
  • Agree to a spending limit and plan to ensure that the main account holder is able to make consistent on-time payments. This payment history is one of the factors that can contribute to an increased credit score for the authorized user.
  • Manage the card's total utilization by keeping your credit card debts low.

As you begin to build your credit history, your experience as an authorized user can help you improve your credit score, but it can also help you understand how credit is maintained. By proactively engaging with your credit, you can grow your credit score as much as you grow your credit knowledge.

Sours: https://www.chase.com/personal/credit-cards/education/build-credit/do-authorized-users-on-credit-cards-build-credit
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