Buy Authorized User Accounts [2026 Edition]

You pay a fee (often ranging from $300 to over $1,000) to be added as an authorized user.

Which Credit Cards Help Authorized Users Build Credit? - NerdWallet buy authorized user accounts

Many issuers report the account’s history—including its age and credit limit—to the authorized user's credit report. You pay a fee (often ranging from $300

Usually, the buyer does not receive a physical card and cannot spend the seller's money; the card is sent to the primary cardholder’s address. The Benefits vs. The Risks buy authorized user accounts

Buying authorized user accounts, often called is a controversial practice where a consumer pays a fee to be added to a stranger's well-established credit card account. The goal is to "piggyback" off the primary cardholder's positive credit history to artificially boost one's own credit score.