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A generous octogenarian added his domestic helper as an authorized user on his credit card account so she could buy supplies for him and food for her family.

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Rose’s client is not alone in his difficulties with sharing a credit card account.

Rose says lawsuits involving authorized users and joint account holders are common.

Most offer free warranty extensions on your purchases and free car rental insurance.

In fact, your credit card could provide over $1,000 of benefits you probably don’t even know about. Almost everyone has a bad story about late fees or overspending, so “Cut them all up!

However, if the account owner has a problem that results in a negative credit item being reported, the authorized user’s credit also may be negatively affected.

“Usually, authorized users have no idea what’s going on and, while they aren’t responsible for the debt and can’t even take their names off the account on their own, they could get hit with the negative trade line on their own credit report and get a lower credit score,” Williams says.

Credit is extended freely, and payment is someone else’s responsibility.

In some cases, authorized users with limited or bad credit are able to use that status to build their own credit, as the credit history of the account owner can be reported on the authorized user’s credit report.

As long as you manage them well, they’re worth having.

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