An authorized user is a person who has been added to a credit card account by the primary cardholder. Authorized users are able to use your line of credit by making purchases on the credit account using a unique credit card that has been distributed to them. Authorized users cannot manage the credit card and carry no liability for credit card spend and payments, so be sure to only give authorization to someone you trust.
See the HMBradley Credit Card Account Agreement for details on authorized users at https://hmb.to/credit-cardholder-agreement.
| Primary Cardholder | Authorized User | |
| Credit Check? | Yes | No |
| Will receive a credit card in your name? | Yes | Yes |
| Earns cashback rewards on eligible purchases? | Yes | Yes |
| Manages cards and credit account | Yes | No |
| Legally liable for paying credit card debt | Yes | No |
| Payment history reported to Credit Bureaus | Yes | No* |
* HMBradley may report credit activity and payment history to credit bureaus for authorized users, per the Credit Card Account Agreement. We do not currently report credit activity and payment history for authorized users to credit bureaus. We will notify customers in advance if this were to change in the future.
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