Authorized versus joint credit card users

May 2, 2008

If I make my wife an authorized user of a new credit card account I've opened, will the card appear on her credit record as well as mine? And would she legally be required to pay the bill if I can't?

If I make my wife an authorized user of a new credit card account I've opened, will the card appear on her credit record as well as mine? And would she legally be required to pay the bill if I can't?

The credit bureaus must include that card as part of your spouse's record. But she won't be held responsible for the bill as an authorized user. She'd assume equal responsibility only if you and she open the account together as joint users.