How does an authorized user affect my credit — as well as their own?

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An authorized user’s credit score will not be affected when added on a credit account. Only the primary cardholder’s credit will be impacted by any transactions on or payments towards the credit account (including transactions made by an authorized user). Furthermore, an authorized user is not liable for credit card spend or missed payments and their credit score will not be affected by credit utilization. See the HMBradley Credit Card Account Agreement for details on authorized users at https://hmb.to/credit-cardholder-agreement.

While HMBradley does not currently report credit card activity and payment history for authorized users, we reserve the right to report to credit bureaus per the Credit Card Account Agreement. Should we begin to report credit card activity and payment history for authorized users in the future, we will notify customers in advance.