Authorized user: who gets the bill?

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shoptalk01
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Authorized user: who gets the bill?

Postby shoptalk01 » Thu Oct 18, 2012 3:16 pm

Something I've been curious about, with an authorized user, who gets the bill? Let's say my mom authorizes me on her account and I make a charge, would I get the bill for my own use or would it go to my mom?

My mom has a Wells Fargo Visa that she's had for 15+ years but I don't think she's used it in a couple of years because she said she didn't want to have to mess with paying another bill. I think the card started out on a different bank before they were bought out or something, I know my parents would never switch on their own. Someone tried to talk my mom into getting a different card a few years back, but she wouldn't do it. She likely has over 10K for a credit limit.

Anyhow my idea was to put my cell phone bill on it every few months to keep it active, but I wouldn't carry a card or use it for anything else. I just figured my cell phone bill because it's something I have to pay anyhow and she wants to know what I'll use it for, so rather than run around town with the card, just put one small bill on it every few months, then put it away.

The idea is to keep her card active for her and to use it no more than necessary to keep it active then hopefully it would help my credit score and help me to qualify for better cards quicker.

So now my mom's question is who gets the bill if I charge something as an authorized user on her account.


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FastSRT8
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Postby FastSRT8 » Thu Oct 18, 2012 4:14 pm

Bill always rolls up and is sent to the primary account holder.

It will be broken out and summed up though and itemized per cardholder.
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namvet
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Postby namvet » Thu Oct 18, 2012 5:28 pm

While it is true that the bill will always be sent to the primary card holder the charges are not always broken down between the primary user and the AU. Many lenders don't show the breakdown.

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FastSRT8
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Postby FastSRT8 » Thu Oct 18, 2012 6:50 pm

namvet wrote:While it is true that the bill will always be sent to the primary card holder the charges are not always broken down between the primary user and the AU. Many lenders don't show the breakdown.


To clarify.... Amex does. Not sure about the others sorry.
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shoptalk01
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Postby shoptalk01 » Thu Oct 18, 2012 8:11 pm

So if my mom gets the bill, would it be better if she just used her card to pay for something for me instead of having her make me an authorized user? She's almost 90 years old and I don't want to make this more confusing than it needs to be for her.

I've had a couple people question if she should even have an open credit card account at her age

MOC
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Postby MOC » Sat Oct 20, 2012 4:03 am

You should make sure someone who she can trust and has her best interest at heart is helping her with her finances and other important matters. The account holder will get the bill, and not the authorized user. It really does not make a difference which card you pay the bill with. Either way, it will be billed to your mother as the account holder. If you were trying to get the bill sent to you, that is not the way you'd want to do it. You would just have to open a new account. Being an authorized user, helps the authorized user's credit history especially if it is a high limit account that is always paid on time, but the account holder is the only one responsible.



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