- Centurion Member
- Posts: 532
- Joined: Thu Jan 17, 2013 7:20 pm
- Location: United States
There is a difference...a legal one. A joint user has dual legal responsibility to pay the debt with the other party. An authorized user does not have the same responsibility. My wife and I found this out when we added her as a JU to our BofA Cash Rewards card. What I thought was going to be a trivial thing ended up essentially leading my wife through the full credit application process and then doing a hard pull...on me!
On the other hand, we own two other cards where we are each the authorized user of the other's card. That process was a lot easier. One other difference: as an authorized user of my Amex Platinum card, my wife can login to her Amex account, see the card (hers) and her charges, but she cannot see all of the charges of the account or pay them. Since my wife pays the bills, she has to log into my account into order to handle this. This truly pisses her off and I suspect I might just fix that once I'm through the app spree in case there are any more unwanted hard pulls.
American Express Platinum (NPSL)
Penfed Platinum Reward Visa ($28K)
Chase Freedom Visa ($25K)
Fidelity American Express ($20K)
American Express Blue Cash Preferred ($20K)
Bank of America Cash Rewards MasterCard ($20K)
Citi Thank You Preferred Visa ($9.5K)
Chase Sapphire Preferred ($7.5K)
US Bank Cash + Visa Signature ($7K)
Discover IT ($4K)