Will adding a person with bad credit to a credit card hurt the person with good credit?

I've read that adding spouses and children as authorized users on a credit card can boost a person's credit score. I'm wondering if that will hurt the person with good credit, though. Will the credit card spike their interest rates or anything?|||If the card the authorized user (AU) is added to is kept in good shape ... paid on time, utilization kept low, has some good age to it, etc., then will help the scores of the authorized user.


Adding an AU to your card will not adversely affect your own credit, or with that particular card, if the AU has bad or no credit.





I would never recommend adding a spouse or children to a card as a joint user unless it is absolutely necessary, especially when simply adding them as an AU would achieve the same purpose.|||Rule #1: Never co-mingle your finances with a person does not have amazing credit.


Only do this if the major card holder is paying their credit cards in full each month.


Not the minimum, not more than the minimum, but in full.


A spouse would be added as a joint card holder


Minors will be added as authorized users.


Depending on how the main holder uses credit, it can even lower your score.


A credit card will check the authorized or joints user's credit.


They could actually be turned down for an extra card.





You should not be worried about interest rates, since the only way you pay them is by carrying balances. If you pay in full each month, again, you never pay interest.


In this case, run and run away fast from this idea if interest rates are a concern to you|||No, the bad credit doesn't filter back to the good credit.





The authorized user account shows on your credit report and counts in the FICO score for spouses and kids. You get teh benefit of that particular account history. If the account has been paid on time and doesn't carry balances of more than 30%, it will likely improve your credit.





Adding kids to credit cards might be a way to kick start their credit history, but they should use that to establish credit in their own names. After a couple years, the kids should be removed as authorized users as this can cause problems on down the road.|||credrepair.freeoda.com - use this service to predict how your credit score would change in future for various procedures of these payments.