For You (Primary Cardholder)
- Setup: Simply adding an Additional User will not impact your credit score, and there is no hard inquiry performed on either of you during setup.
- Spending & Usage: All purchases made by an Additional User affect your overall account balance and credit utilization identically to your own spending. You are fully responsible for repaying these charges, and any resulting changes in account balance or payment history will impact your credit score.
For Them (Additional User)
- Credit Reporting: You can choose to opt your Additional User in or out of credit bureau reporting via the app.
- Impact: If opted in, the account’s payment history, balance, and account age will be reported under their name on their credit bureau reports.