Can a non-U.S. citizen be an authorized user on a credit card?

Can Non-U.S. Citizens Become Authorized Users on Credit Cards?

Building credit as a non-U.S. citizen can present challenges, as traditional methods often require a Social Security number or permanent residency. However, becoming an authorized user on a credit card held by a U.S. citizen can be a viable strategy.

What is an Authorized User?

An authorized user is an individual granted permission to use a credit card issued to another person (the primary cardholder). The authorized user has limited abilities, such as making purchases or paying bills, but does not assume any financial responsibility for the account.

Benefits of Becoming an Authorized User

For non-U.S. citizens, becoming an authorized user can offer several benefits:

• Access to Established Credit: The primary cardholder’s existing line of credit becomes available to the authorized user, allowing them to make purchases and build their credit history.
• Positive Credit Reporting: Account activity under the authorized user’s name is reported to credit bureaus, boosting their credit score and providing a foundation for future credit applications.
• Convenient Credit Management: Authorized users can use the credit card for everyday expenses, without the need to apply for their own line of credit.

Requirements for Becoming an Authorized User

To become an authorized user on a U.S.-based credit card, non-U.S. citizens typically need to meet the following requirements:

• Trusted Relationship: The primary cardholder must be a trusted friend or family member willing to add the non-U.S. citizen as an authorized user.
• Valid Identification: The non-U.S. citizen may need to provide a copy of their passport or other government-issued ID.
• Responsible Credit Use: The non-U.S. citizen must agree to use the credit card responsibly and make payments on time.

Considerations for Non-U.S. Citizens

Non-U.S. citizens should be aware of the following considerations before becoming an authorized user:

• Limited Liability: Authorized users are not legally responsible for the debt incurred on the credit card account. However, unpaid balances can negatively impact the primary cardholder’s credit score.
• SSN Not Required: Non-U.S. citizens without an SSN can still become authorized users.
• Possible Impact on Visas: Excessive debt or missed payments under the authorized user’s name could potentially affect future visa applications.

Conclusion

Becoming an authorized user on a U.S.-based credit card can be a valuable strategy for non-U.S. citizens looking to establish or build their credit. By partnering with a trusted individual, they can gain access to an established line of credit and begin building a positive credit history. However, it is important for non-U.S. citizens to understand the requirements and potential implications before becoming an authorized user.