- Sign in to capitalone.com.
- Click on the account you want to add a joint holder to.
- Click on “account services & settings”
- Click on “add/view joint account holder” to start the invite process.
Does adding an authorized user affect their credit Capital One?
An authorized user isn’t legally responsible for the charges they add to an account, unlike a co-signer or someone on a joint account. Adding an authorized user can affect things like payment history and credit utilization, which might impact both parties’ credit scores.
Does adding an authorized user raise their credit score?
Becoming an authorized user can help you build your credit history and boost your credit score, but it shouldn’t be the only tool in your credit-building tool box. You should also take out credit cards in your own name and practice using those cards responsibly in order to see your score improve over time.
Does adding an authorized user help get approved?
The authorized user is considered a secondary cardholder with access to an account but no ownership. Authorized user status can help someone establish credit if the account is managed well. Full payment history is often reported to the three major bureaus, which is how authorized user status works to build credit.