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Is It Better to Get Your Own Card or Become an Authorized User?

Woman with credit card in her hand using cellphone while reclining on sofa.

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When you’re standing at the crossroads of credit, deciding whether to apply for your own credit card or become an authorized user on someone else’s account, the choice might feel a bit like deciding between ordering the usual at your favorite café or trying that intriguing new drink everyone’s been raving about. Both options have their perks and quirks, and the best choice depends largely on your personal financial situation and credit goals.

Getting your own credit card

Venturing into the world of credit with your own card is like getting behind the wheel for the first time. It’s exciting, a bit nerve-wracking, but ultimately a huge step toward financial independence. Here are some major pros and cons of getting your own card to consider.

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  1. Building credit history: Every on-time payment is a gold star on your credit report, helping to build a strong credit history. This is crucial when it comes time to apply for loans, mortgages, or more credit cards.
  2. Rewards and perks: From cash back to travel points, owning a credit card often comes with a suite of benefits that you can tailor to your spending habits and personal preferences.
  3. Financial autonomy: Having your own card means you have full control over your finances. You decide your spending limits, track your expenses, and manage payments without having to rely on anyone else.


  1. More responsibility: With great power comes great responsibility. Missed payments or high credit utilization can negatively affect your credit score. Plus, poor financial management could lead to debt.
  2. Harder to qualify: If you’re a newbie to the credit game or your credit score isn’t stellar, getting approved for a credit card with favorable terms can be tougher.

Becoming an authorized user

Being added as an authorized user on another person’s credit card account is like being invited to an exclusive club. You get many of the privileges without being the main member. Here are a few pros and cons.


  1. Credit building with a net: If the primary account holder has a solid track record of timely payments and low credit utilization, your credit score can benefit. You’ll inherit some of their good credit habits on your own credit report.
  2. Less financial risk: As an authorized user, you’re not legally obligated to pay the credit card bill — that responsibility falls to the primary account holder. This can be particularly appealing if you’re still learning the ropes of financial management.
  3. Ease of approval: No credit check is required to become an authorized user. This makes it an excellent option for young people or anyone looking to repair their credit history.


  1. Dependent on another person’s habits: Your credit fate is partially in someone else’s hands. If the primary account holder misses payments or maxes out the card, it could negatively impact your credit score.
  2. Limited financial independence: While you can use the credit card, you don’t have control over the account. You won’t be able to change the account, request a credit limit increase, or take advantage of certain cardholder benefits.
  3. Potential for conflict: Money can strain relationships. If issues arise about spending or payment responsibilities, it could lead to awkward conversations or worse.

Making the right decision

Deciding between getting your own credit card or becoming an authorized user boils down to your individual financial situation and your comfort level with taking on credit responsibilities.

If you’re young, just starting out, and looking to build credit with a safety net, becoming an authorized user could be the way to go. It’s like learning to swim with floaties. However, if you’re ready to dive deep into managing your own finances and want the benefits (and rewards) that come with it, applying for your own card might be the better choice.

No matter which path you choose, remember that the goal is the same: building a healthy credit history that opens doors to your financial dreams. Whether you go solo or join forces with a trusted partner, smart management and regular monitoring of your credit will keep you on the right track. So, whether you order that tried-and-true latte or go for the flashy new summer special, make sure it’s a decision that aligns with your long-term financial goals.

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