✍️ ⑧ Authorized User Hack: How It Really Impacts Your Credit Score

Introduction

Becoming an authorized user on someone else’s credit card is one of the fastest credit-building strategies — but only when done correctly.

---

How It Works

You’re added to another person’s credit card account.
Their positive history can appear on your credit report.

---

Benefits

• Boosts score quickly
• Adds length to credit history
• Helps beginners with zero credit

---

Risks

• If the primary user misses payments, your score drops too
• High balances can hurt your utilization

---

Best Practices

• Choose someone with excellent payment history
• Confirm their utilization is under 30%
• You don’t need access to the card

---

Conclusion

Authorized user status is a powerful shortcut — just make sure you choose the right person.