How Do I Add an Authorized User to My Capital One Account?

Capital One offers a variety of credit services to customers. As a Capital One cardholder, you may be wondering if you can add an authorized user to your account, and how you would go about adding one. You can get information and assistance on Capital One's authorized user policy by contacting customer support here, and you can read below on steps to adding an authorized user.

Adding an Authorized User

You can add an authorized user to your Capital One account online by following these steps:

1. Open Capital One's website in your computer browser.
2. Log into your account.
3. Click on the card which will have an authorized user added.
4. Select "I want to..." from the menu.
5. Choose "Add Account User" under "Control Your Card."
6. Designate if you wish to add the individual as an account manager or an authorized user.
   • Account Manager: This gives the authorized user full access and rights to the credit card account.
   • Authorized User: This allows limited access to the account such as ability to use the card for purchases. This individual cannot request line of credit increases or make other changes to the account.
7. Enter the following information about the new user to the Capital One account:
   • First and Last Name
   • Phone Number
   • Date of Birth
   • Social Security Number (Optional).
8. Click "Continue."
9. Confirm you have read the terms and conditions.
10. Select "Add User" to complete the process.
11. Your newly authorized user will receive his or her own card in the mail. Activate the card when it arrives, so they can begin utilizing the account.

Removing an Authorized User

If you wish to remove an authorized user from your Capital One account, follow the steps below:

1. Open Capital One's website in your computer browser.
2. Log into your account.
3. Go to "Manage Account Users."
4. Select the name of the person you want to remove.
5. Click "Remove user."

6. This person will be removed as an authorized user on your account and will no longer be able to use the card they have.

Things to Consider

When considering adding an authorized user to your Capital One account, keep in mind the following:

1. The other person's credit usage can impact your overall debt to income ration and credit utilization and impact your credit score.
2. You are ultimately responsible for charges on your account, so make sure the added user is someone you trust.
3. The added user will now have access to your account (either full access or limited) giving that person information on your finances.

Adding or removing an authorized user on your Capital One account can be done in a few steps online. For more information or assistance, contact Capital One customer service here.