What is the minimum age for an authorized user on a credit card?

Typically, a credit card issuer requires any authorized user to be at least 18 years of age. Some will allow a minor to be an authorized user to a parent, for instance.

Can an authorized user take over a credit card?

No, they can’t. An authorized user is using a credit card under someone else’s account, not their own name. So they have no control over the account beyond spending. If they want a different credit card, they will have to apply on their own.

Who qualifies as an authorized user of a credit card?

Authorized users are anyone who uses the credit card under the primary account holder’s name. This could be a spouse/partner, loved one, or a child.

Sabina Wex

Q: Can an authorized user take over a credit card?

No, they can&#8217;t. An authorized user is using a credit card under someone else&#8217;s account, not their own name. So they have no control over the account beyond spending. If they want a different credit card, they will have to apply on their own.

Sabina is a freelance journalist in Toronto who writes about personal finance, tech, and culture. She spent five years in communications and recently returned to journalism, which she had previously worked in for two years. Sabina received her bachelor’s degree in Classics from the University of King’s College and Dalhousie University.

Sabina has written for Fast Company, Business Insider, RATESDOTCA, CBC, and more. Her investigation into student food insecurity became a nationally discussed story.