How to add authorized user to Wells Fargo credit card?

Adding an authorized user to your Wells Fargo credit card is a simple process that can provide convenience and financial flexibility to both you and the person you designate. Here’s how you can easily add an authorized user to your Wells Fargo credit card:

1. Log in to your Wells Fargo online banking account.
2. Navigate to the “Account Services” tab.
3. Select “Add an authorized user” from the menu.
4. Fill out the required information for the authorized user, including their name, date of birth, and relationship to you.
5. Review and confirm the details before submitting the request.

Once the authorized user has been added to your Wells Fargo credit card account, they will receive their own card linked to your account. This card allows them to make purchases and payments on the account, but they are not responsible for the repayment of the charges. As the primary cardholder, you retain full control over the account and can set limits on the authorized user’s spending.

Adding an authorized user can be beneficial for various reasons, such as pooling rewards points, increasing credit card usage, and helping someone build credit history. Keep in mind that adding an authorized user should be done with trust and responsibility, as any charges made by the authorized user will ultimately be your responsibility to repay.

FAQs on adding an authorized user to Wells Fargo credit card:

1. Can I add an authorized user to my Wells Fargo credit card online?

Yes, you can add an authorized user to your Wells Fargo credit card online through your online banking account.

2. Is there a limit to how many authorized users I can add to my Wells Fargo credit card?

Wells Fargo allows you to add up to 4 authorized users to your credit card account.

3. Will the authorized user receive their own credit card?

Yes, once added, the authorized user will receive their own credit card linked to your account.

4. Can I remove an authorized user from my Wells Fargo credit card account?

Yes, as the primary cardholder, you have the ability to remove an authorized user from your account at any time.

5. Will the authorized user’s credit score be impacted by being added to my Wells Fargo credit card?

While the authorized user can benefit from the positive credit history associated with your account, any negative behavior on the account can also impact their credit score.

6. Can the authorized user make changes to the account, such as adding or removing other authorized users?

No, authorized users do not have the ability to make changes to the account or add/remove other authorized users.

7. Can I set spending limits for the authorized user on my Wells Fargo credit card?

As the primary cardholder, you have the option to set spending limits for the authorized user on your account.

8. Will I be notified of charges made by the authorized user on my Wells Fargo credit card?

Yes, you will receive notifications for all charges made on your credit card account, including those made by authorized users.

9. Can I track the spending of the authorized user separately from my own spending on the account?

While you can view the charges made by the authorized user on your account statement, there is no separate tracking available specifically for the authorized user.

10. Will the authorized user be able to access my account information or make changes to the account settings?

No, authorized users are not granted access to your account information or ability to make changes to your account settings.

11. Can the authorized user redeem rewards points earned on my Wells Fargo credit card?

Depending on your rewards program, authorized users may be able to redeem rewards points earned on the account.

12. What should I do if the authorized user loses their credit card?

If the authorized user loses their credit card, contact Wells Fargo immediately to report the loss and request a replacement card for the authorized user.

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