FAQs About Adding Authorized Users to Chase Credit Cards

One benefit of the Chase United MileagePlus Explorer card (Flyertalk link) is getting an additional 5000 bonus miles for adding an authorized user. To add an authorized user, all you need to do is call Chase and give them a name, and then Chase will send you a new credit card with that name on it.

Question #1: What is an authorized user?

An authorized user is someone who’s allowed or authorized to use your credit card. This means that the person is allowed to spend as much money as he wants, but he doesn’t have any responsibility to repay any debt that accumulates. This is distinct from a joint user, who is also allowed to spend as much money as she wants but is also personally liable for any debt that accumulates.

Question #2: What information do you need to add an authorized user for Chase?

Since there’s no personal liability for an authorized user, the bank doesn’t actually need to be able to identify the authorized user. Thus, all that’s required is a name. Any name. There’s no verification that the name you’re providing is for a real person or not.

Question #3: What’s the impact on the authorized user’s credit score?

In theory, being an authorized user on a credit card shouldn’t have an effect on that person’s credit score since he isn’t personally liable for the credit extended, but there are many anecdotes that contradict this. One of the most common scenarios of adding an authorized user is parents adding a child as an authorized user on a credit card so that the child starts developing a credit history. This is almost certainly a good idea if the parents are responsible users. But there are also stories of people being denied credit because parents are carrying a high balance or are behind on payments on a credit card for which the person is an authorized user.

Question #4: How does a credit card appear on an authorized user’s credit report if Chase doesn’t ask for a SSN or other identifying information?

The answer is that it doesn’t necessarily appear on the authorized user’s credit report. In general, it seems like if the name that you add as an authorized user is someone who shares your address, then Chase will be able to use that name/address combination to report information to the credit bureaus. But if the authorized user doesn’t share an address, then that credit card information can’t be connected to the authorized user, so nothing gets reported.

Question #5: Can an authorized user sign up for the same credit card and still get the sign-up bonus?

Yes! Being an authorized user on a credit card does not preclude you from getting that credit card yourself and receiving your own sign-up bonus.

Question #6: So what does this all mean?

I suggest that if you’re adding an authorized user solely to receive an additional bonus, you should think carefully about whom you add. In my experience, names aren’t actually verified, and you could cut the credit card up before it ever gets used (in my experience, the other credit card doesn’t even need to be activated to get the additional bonus).

68 thoughts on “FAQs About Adding Authorized Users to Chase Credit Cards

  1. judi casino online

    What’s Going down i am new to this, I stumbled upon this I have discovered It positively helpful and it has aided me out
    loads. I hope to give a contribution & aid other users like its aided me.
    Good job.

    Reply
  2. mabosbola

    Mabosbola is an online gambling site that provides the most popular soccer wagering and
    casino games that have been founded since 2013.
    Since this site made an appearance and provides betting services to
    all customers in Indonesia, Mabosbola has dared to provide purchase security to all the official members upward to a nominal huge amounts of rupiah.

    This particular is the reason many world-class wagering
    game providers at the amount of Sbobet and Maxbet want to work with Mabosbola.
    So far, there have been many gambling, soccer betting and online on line casino game providers that have collaborated with Mabosbet, including Sbobet, Nova88, Ion, and WM Casino.

    On our official site, you can enjoy a number of00 the best and many popular games, starting from soccer gambling video games such
    as Oriental Handicap, 1X2, or total score or challenging
    casino gambling games such as roulette, blackjack,
    sicbo and so on. You can get all of this just by registering to turn into
    a fellow member on the state online gambling site Mabosbola.

    How to Sign-up for an Online Gambling Account
    Even as we explained earlier, for those of you who want to enjoy the best video games in Indonesia, we
    recommend that you register as an official member on the online gambling
    site Mabosbola. Besides being easy, you also only have to have a few
    minutes to register.

    Reply
  3. Judi-sbobet

    Mabosbola is an on-line gambling site that will provides the the majority of popular soccer betting and casino online games who have been established
    since 2013. Considering that this site made an appearance
    and provides betting services to all customers in Dalam negri, Mabosbola has dared to provide transaction security to just about all
    its official members up to nominal enormous amounts of rupiah.

    This is the purpose many world-class gambling game providers from the
    level regarding Sbobet and Maxbet want to work along with Mabosbola.
    To date, right now there have been numerous gambling, soccer
    betting and online casino game providers who have collaborated with Mabosbet, including Sbobet, Nova88,
    Ion, and WM Casino.

    On this official site, you can appreciate various types of the very best and many popular games, starting up from soccer
    wagering games such since Asian Handicap, 1X2, or total report or challenging
    casino gambling games such as roulette, blackjack, sicbo and so forth.
    You can get almost all of this just by registering to come to be a member upon the official
    internet gambling site Mabosbola.

    How you can Register for a good Online Gambling Account
    As we described earlier, for all those of you who would like to enjoy the best games in Indonesia, we
    recommend that you register as an official member on the online gambling site Mabosbola.
    Besides being easy, you also only have to have a few moments to join up.

    Reply
  4. Agen-338a

    THE BEST AND RELIABLE SBOBET JUDI BANDAR

    Agen-338a is an online bookie that works officially with
    the sbobet provider. Agen-338a has served wagering members from 2010 until now and has never given frustration in phrases of sbobet login. Our company is also one of the sbobet brokers who have received several awards and have now become the number just
    one site in Indonesia. We are also a site that is
    visited completely from the official sbobet provider
    to be entrusted with marketing soccer gambling products, internet casinos, slots, shooting species of
    fish, etc. for the Indonesian community. Each day there are more than 10, 500 members who actively play on our official site and supply reviews that are very satisfied choosing all of us as the companion agent.
    Our brand searches also go beyond 10, 000 queries daily and we are a day to day service site.

    Exactly how to Register a Sbobet Account
    We provide official sbobet account registration for all members who
    want to join with no fees or requirements. We also confirm the
    simplicity in the sbobet list, because to complete the sbobet account registration process, only affirmation is required that you are 18+ and have a
    local lender to make transactions. Sign up for sbobet can be through the registration form on the official website of Agen-338a or through our customer service who is ready to help you at any
    time. After filling in the registration form, the member just needs
    to activate the ID with affirmation via our cs.

    Reply

Leave a Reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.