visa freedom credit card login

If you have a Chase debit or credit card, you can quickly set up travel Enter Your Chase Username and Password to Access Your Online Account. The information regarding the Amazon Prime Rewards Visa Signature Card, Chase Freedom Flex℠ Credit Card, Chase Freedom Unlimited® card. How do I view or access the rewards points on my Business Visa Credit Card? · Log into Digital Banking · Select your OnPoint credit card from the Account Summary.
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Image of the Holland America Line Rewards Visa Card
Image of the Holland America Line Rewards Visa Card

Holland America Line Rewards Visa® Card

Reward details

2 points for every $1 spent on Holland America purchases

1 point for every $1 spent on all other purchases

Welcome bonus

5,000 bonus points with first purchase

Benefit details

No foreign transaction fee

Concierge service

Zero liability on unauthorized charges

Interest rates & charges

Purchases - 13.99%, 18.99%, or 23.99% based on your creditworthiness

Balance Transfers - 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that (and for balance transfers that do not post within 45 days of account opening), a variable APR will apply, 13.99%, 18.99%, or 23.99%, based on your creditworthiness.

Fees

Balance transfer - 3% of each transfer, not less than $5

Annual fee

per $1 spent on all Holland America purchases including onboard purchases2

  • spent on all Holland America purchases, including onboard purchases2
  • on all other purchases everywhere Visa is accepted2
  • enough to redeem for a $50 onboard credit2
  • toward Holland America Cruises when you use your Holland America Visa to book the cruise2
  • and credits, along with gift cards and merchandise2
  • enjoy greater freedom with no foreign transaction fees on purchases made while traveling abroad1
  • provides personal assistance via telephone, including recommendations and reservations for dining, travel, hotels, entertainment, and sporting events
  • means you're not responsible for unauthorized charges you report to us

Interest Rates and Charges Summary

APR for purchases

13.99%, 18.99%, or 23.99% variable based on your creditworthiness

APR for balance transfers

0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that (and for balance transfers that do not post within 45 days of account opening), a variable APR will apply, 13.99%, 18.99%, or 23.99%, based on your creditworthiness.

APR for cash advances

25.24% variable

Fee Summary

Annual fee

$0

Balance transfer fee

Either $5 or 3% of the amount of each transfer, whichever is greater 

Important Information

  1. Offer subject to credit approval. Not everyone will qualify for the Holland America Line Rewards Visa Card credit card and its benefits. If at the time of your application you do not meet the credit criteria previously established for this offer, or the income you report is insufficient based on your obligations, we may not be able to open an account for you or you may receive a Platinum card. Benefits will vary depending upon the card for which you are approved. Please review the materials provided with the Cardmember Agreement you will receive after account opening for more information about the benefits that will apply. This offer is available to new cardmembers only. For information about rates, fees, other costs, the reward program rules, and benefits associated with the use of the credit card program, please see the Terms and Conditions.

    Annual Fee: $0. 0% introductory APR on balance transfers made within 45 days of account opening is applicable for the first 15 billing cycles that immediately follow each balance transfer. This introductory APR offer does not apply to purchases and cash advances. For purchases, and new and outstanding balance transfers after the introductory period, the variable APR is 13.99%, 18.99%, or 23.99% depending upon our review of your application and your credit history at account opening. The variable APR for cash advances is 25.24%. The APRs on your account will vary with the market based on the Prime Rate and are subject to change. For more information see the “About the Variable APRs on Your Account” section of the Terms and Conditions. The minimum monthly interest charge will be $0.50. Balance transfer fee: 3% (min. $5). Cash advance and cash equivalent fees: 5% (min. $10). Foreign transaction fee: 0%. See Terms and Conditions for more information about the terms of this offer.

  2. Please review the Rewards Summary for important information about the program benefits and features listed above and the Terms and Conditions for full details about the rewards benefits (such as how points or miles are earned), interest rates and account fees and terms for this particular offer before applying.

    1. The Holland America Rewards Program offers cardmembers the opportunity to earn rewards towards discounted, reduced and even free cruise redemptions. Restrictions apply. Taxes and fee may apply. cardmembers will be responsible for all charges incurred in connection with their cruise (including travel to port of departure). Additional charges that are not included include but are not limited to gratuities, onboard purchases, shore excursions, optional programs and other charges (alcoholic beverage, soft drinks, laundry and dry cleaning). Other cruise related redemptions options are available such as onboard spa experience and merchandise offers. cardmembers that redeem Holland Points for a cruise or cruise discount will receive a credit on their monthly statement. cardmember's can book their cruise anywhere and redeem for discounts at the redemption center. Please see full program terms and conditions for complete details.

      Bonus Points: 5,000 Bonus Holland America Points will be awarded at the close of the first billing statement in which you make your first purchase or balance transfer and then will be credited to your Holland America Line Rewards Visa Card account. There is a fee forBalance Transfers. Balance Transfer Checks and Convenience Checks do not qualify for bonus points. See the Terms and Conditions for complete details about this offer.

      The Holland America Line Visa Signature Card is issued by Barclays Bank Delaware (Barclays) pursuant to a license by Visa USA Incorporated. Visa is a registered trademark of Visa USA Incorporated.

Terms and Conditions

Источник: https://cards.barclaycardus.com/banking/cards/holland-america-line-rewards-visa-card/

How to activate a Chase credit card

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Activate your Chase card in order to use it. The process is simple and can be done online or by calling Chase. The activation process may take up to a few minutes, but once activated, you can use your credit card right away.

Activate your Chase card online if you’d rather not be stuck on the phone. Follow these simple steps:

  1. Go to the Chase Verify webpage.
  2. Enter your login details or sign up if you’re a first-time Chase cardholder.
  3. To sign up, you’ll need your Social Security number and your card, account or application number.
  4. Once you log in, navigate to My accounts.
  5. Select your new card and choose the activation button.

If you prefer getting things done by phone, make sure you have your Social Security number, your credit card number and your security questions ready. Once you have all the information you need, here’s how to activate your card by phone:

  1. Call 800-432-3117 for personal cards or 888-269-8690 for business cards.
  2. Enter the last four credit card digits
  3. Follow the prompts to activate the card.

How do I know if my Chase card is activated?

Log in to your online account and navigate to My accounts. Your new card information should be available from there.

Now that you have activated your Chase credit card, you’ll want to know how to optimize your card use so you can get the highest value out of it.

  1. Download the mobile app. Downloading the Chase mobile app helps you track your rewards, monitor your accounts, make payments or activate Chase Offers.
  2. Set up digital wallets. Simplify your online and in-store purchases using your smartphone or a smartwatch. To use it, you need to set up a digital wallet.
  3. Enroll in online banking. Enroll in Chase online banking to control your finances, monitor your account, redeem rewards and more. To enroll, you need to provide your personal information such as your SSN or tax ID, your bank account and your mobile phone number.
  4. Set up a PIN. If you didn’t get a personal identification number (PIN) with your card or if you want to reset your old one — call 800-297-4970. Follow the automated instructions to set it up. You need a PIN for ATM cash withdrawals and credit card purchases abroad.
  5. Set up autopay. Access your Chase online account or your mobile app and select the card you want. Select Set up next to automated payments. Chose the amount you wish to pay each month and from which account you wish to pay.
  6. Maximize rewards. The Chase Freedom and Chase Sapphire cards are part of the Chase Ultimate Rewards program. This means that even though some of the cards are marketed as cashback cards, you actually earn points. Check out our guide on earning Chase points, on Chase points redemption and even how to transfer your points to Chase’s airline and hotel partners.

Activating your Chase credit card is easy — either by phone or online. But now that you have a Chase credit card, consider adding a great alternative credit card to your wallet, which can get you additional perks or expand your credit limit.

Источник: https://www.finder.com/activate-chase-credit-card

How to add an authorized user to a Chase credit card

Know a family member or friend struggling with a low credit score? Or maybe that relative or friend has little to no credit history. You might be able to help them build or improve their score by adding them as an authorized user to your Chase credit card.

Be warned, though: Only do this with people you trust. You’re ultimately responsible for the debt that authorized users run up. If they decide not to pay it down, you’ll have to do it.

See related: Authorized users: 3 common scenarios for sharing a card account

How to add an authorized user to a Chase credit card

What is an authorized user?

An authorized user is allowed to use your credit card account. These users will get their own credit card and can use it to make purchases.

An authorized user, though, bears no responsibility for making payments on your card. That responsibility is still on you. The theory is that authorized users will pay you for their purchases when your credit card bill comes due. But if they don’t, you’re on the hook to make those payments.

Why add an authorized user to your credit card?

You won’t receive any advantages when you add an authorized user to your credit card account. But your authorized users will.

When you add authorized users, you’ll provide them with a credit score boost. When you make your payments on time, it not only helps your credit score, but the credit score of your authorized user as well.

This is important for people who have weak credit or haven’t yet built a credit history. Parents, for instance, might add their children as authorized users, helping them build a credit history before they can even apply for a credit card on their own.

What are the requisites for becoming an authorized user on a Chase card?

You can add anyone as an authorized user to your Chase credit card. It doesn’t have to be a family member, and Chase doesn’t have minimum-age limitations for authorized users.

All you’ll need to provide is the authorized user’s name, birth date and address. A Social Security number is not required to become an authorized user on a Chase credit card.

See related: What’s the minimum age to be an authorized user?

How to add an authorized user on your Chase account

Adding an authorized user is easy.

  • Log onto your account at Chase.com.
  • Click the “Accounts” tab.
  • Under “More Options,” click on the “Account Services” menu.
  • Select “Add an Authorized User.”
  • If you have multiple cards with Chase, you’ll have to choose one of them.

Next, fill out the required information about the authorized user.

Your authorized user will then receive a credit card. Chase reminds you on the sign-up page that your authorized user will be able to make charges on your account but isn’t responsible for making payments. That responsibility falls on you.

Is there a fee for adding an authorized user to a Chase card?

Adding an authorized user is free on most Chase credit cards. However, you will have to pay $75 for every authorized user you add to the Chase Sapphire Reserve.

Parents often add their children to their credit card accounts to help them build their credit.

Can you set up specific credit limits for authorized users on a Chase card?

Like the majority of credit card companies, Chase doesn’t allow you to set up a specific credit limit for any authorized users. If your credit limit is $10,000, your authorized user’s credit limit will also be $10,000.

Do authorized users have access to all the benefits on a Chase card?

Authorized users have access to most of the benefits on a Chase card, such as purchase protection or auto rental insurance, if the card offers it. However, if you have a rewards or cash back card such as the Chase Sapphire Preferred Card or Chase Freedom, only you can redeem those awards. Your authorized user can’t. As a benefit to you, though, the purchases that your authorized user makes will count toward your rewards points.

Can you limit access to some benefits to authorized users on a Chase card?

Your authorized user will have the same credit limit as you and will be able to use your card as often as they’d like. They won’t, though, be able to redeem your rewards points or request a change in your credit limit.

See related: How to transfer a balance to a Chase credit card

What are the pros of adding an authorized user to your credit card?

Parents often add their children to their credit card accounts to help them build their credit. Joi King, president and CEO of Global Financial & Credit Solutions in Philadelphia, is an example. She added all of her children to one of her credit cards as soon as those children turned 13.

This move paid off, King said.

“By the time they hit 18, they already had five years of credit established and a good credit score,” she said.

R.J. Weiss, founder of The Ways To Wealth personal finance blog said there are limits to the credit boost people can receive by becoming an authorized user. How much of an impact this has depends on a person’s existing credit history and credit score.

But the boost to people’s credit history is usually lower than what they would get from using their own credit cards, Weiss said.

The authorized user can spend as much money as he or she wishes [on your credit card]. There needs to be a level of trust. If they don’t understand the expectations of how much to use your credit card, it can hurt you both.

R.J. Weiss, founder, The Ways To Wealth personal finance blog

What are the cons of adding an authorized user to your credit card?

There is a risk here, though. Authorized users can run up your credit card debt, something that could hurt your credit score. It’s why King says cardholders should clearly spell out their expectations for how an authorized user can use their card.

The primary cardholder might say an authorized user can only charge up to $50 a month. They might say authorized users can only use the card for specific expenses, such as paying for gas to get to work or school. Primary cardholders should also establish clear dates for when authorized users will pay them back for the purchases they make.

“The authorized user has your credit card and can spend as much money as he or she wishes,” Weiss said. “There needs to be a level of trust. If they don’t understand the expectations of how much to use your credit card, it can hurt you both.”

Primary cardholders must explain what consequences authorized users will face if they misuse the credit card. What happens if an authorized user runs up hundreds of dollars in credit card debt in a month? Will the primary cardholder immediately remove this user from the account, or will the authorized user have more than one chance to make up for a mistake?

Whatever the expectations and consequences are, they must be clearly stated, King said.

“An authorized user could max out your credit card and walk away without paying anything,” King said. “All the responsibility for those purchases will fall on the primary cardholder. So, you need to be certain that you can trust any authorized user.”

See related: Will adding me as an authorized user hurt my mom’s credit score?

How adding, and becoming, an authorized user can affect credit

Oleg Yavorovskiy, CEO of New York City-based Guardian Debt Relief, said authorized users should take care, too. While being added as a user can boost their credit scores, it could also hurt them, depending on the financial savvy of a primary cardholder.

As Yavorovskiy says, if the primary cardholder makes a late payment – a payment is late when it is 30 days or more past its due date – that will cause the primary cardholder’s credit score to drop. But it will also damage the score of the authorized user.

Primary cardholders with a high credit utilization ratio can also damage the credit scores of authorized users, Yavorovskiy said. Credit utilization – the amount you have borrowed compared to your credit limit – is the second most important factor in credit-scoring calculations after making on-time payments.

If a cardholder has a $10,000 credit limit on a card and has a balance of $8,000 on that same card, that will result in a high credit utilization ratio. The higher this ratio, the worse it is for a cardholder’s score. It will also damage the score of an authorized user.

For this reason, Yavorovskiy said, it’s best to become an authorized user on the credit card account of a family member or friend whom you trust and who makes payments on time and in full each month.

“It’s important to have clear guidelines of what’s expected of everyone,” Yavorovskiy said.

And if an authorized user arrangement isn’t working, either because of bad financial behavior on the part of the authorized user or primary cardholder? Primary cardholders can drop authorized users instantly, and authorized users can ask to be removed by the issuer.

How to remove an authorized user from a Chase credit card

To remove an authorized user, call Chase using either the number on the back of your credit card or 1-800-432-3117. You can also send Chase a secure message with this request by logging onto your account and choosing “Connect with Chase” and then “Secure messages” from the side menu.

How to take advantage of becoming an authorized user on a Chase credit card

  • Pay all your other bills on time each month to provide an additional boost to your credit. If you have additional credit card debt, pay as much of it down as you can. This, too, will improve your credit score.
  • Don’t take advantage of the family member or friend who has added you as an authorized user. If you and this person have an agreement on how much you can charge each month, stick to it.

Be sure to pay for your charges on the agreed-upon due date. Remember, the primary cardholder can remove as you as an authorized user whenever he or she likes. Be respectful and stick to whatever arrangement you’ve created.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Dan Rafter has covered personal finance for more than 15 years for publications ranging from The Washington Post and Chicago Tribune to Wise Bread, HSH.com and MoneyRates.com. His work has also appeared online at the Motley Fool, Fox Business, Huffington Post, Christian Science Monitor and Time.

Источник: https://www.creditcards.com/credit-card-news/add-authorized-user-chase/

Freedom Visa Credit Card Login

Last Updated: 28-01-2020

Fidelity® Rewards Visa Signature® Card

We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

1. You will earn 2 Points per dollar in eligible net purchases (net purchases are purchases minus credits and returns) that you charge. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Program Rules for additional information. You may not redeem Reward Points, and you will immediately lose all of your Reward Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Reward Points will not expire as long as your Account remains open. Certain transactions are not eligible for Reward Points, including Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Annual Fee, convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. The 2% cash back rewards value applies only to Points redeemed for a deposit into an eligible Fidelity account. The redemption value is different if you choose to redeem your Points for other rewards such as travel options, merchandise, gift cards, and/or statement credit. Other restrictions apply. Full details appear in the Program Rules new card customers receive with their card. Establishment or ownership of a Fidelity account or other relationship with Fidelity Investments is not required to obtain a card or to be eligible to use Points to obtain any rewards offered under the program other than Fidelity Rewards.

2.

Because the interest and other fees charged on any outstanding balance are greater than the cash value of the rewards points, you may pay more in fees and interest than the value of the points you earn if you do not pay your bill in full each month.

3.

To receive a deposit, you must link your eligible Fidelity® account to your card. This can be accomplished in any of following ways. 1. You may contact Elan Financial Services Customer Service at the toll-free phone number located on the back of your credit card and provide them with your eligible Fidelity® account (s) number. 2. Simply select the “Manage Reward Points” hyperlink from the credit card snapshot page on Fidelity.com and follow the easy steps. You may also watch a brief video that describes the linking process on the credit card snapshot page also found on Fidelity.com. Please note that automatic redemptions will occur on a monthly basis as long as you have reached the point redemption threshold of 2,500 Points.

4.

Eligible accounts include most nonretirement registrations as well as Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, Fidelity Charitable® Giving Account®, Fidelity HSA®, and Fidelity®-managed 529 College Savings Plan accounts. The ability to contribute to an IRA or 529 college savings plan account is subject to IRS rules and specific program policies, including those on eligibility and annual and maximum contribution limits. Full details appear in the Program Guidelines new card customers receive with their card. Contributions to Fidelity Charitable® are generally eligible for a federal income tax charitable deduction. Please consult with your tax advisor. The list of eligible registration types may change without notice at Fidelity’s sole discretion. For more information about whether a particular registration is eligible, please call 1-800-FIDELITY (800-343-3548).

5. Certain restrictions apply to each benefit. Details accompany new account materials.

6.

Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

7.

Cardmembers are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardmembers’ behalf.

8. Fidelity Rewards+ generally requires $250,000 invested through Fidelity® Wealth Services, Fidelity® Strategic Disciplines, or a combination of both registered as an individual account, a joint account, or certain types of revocable trusts. Assets in other registration types, such as irrevocable trusts, partnerships, or LLCs, will not be included when determining program eligibility. Fidelity Rewards is not offered as a component of any advisory service or program through Fidelity, including, without limitation, Fidelity® Wealth Services and Fidelity® Strategic Disciplines. While there are no program enrollment fees, eligible managed accounts are charged an advisory fee.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Fidelity Charitable® is the brand name for Fidelity Investments® Charitable Gift Fund, an independent public charity with a donor-advised fund program. Various Fidelity companies provide services to Fidelity Charitable. The Fidelity Charitable name and logo and Fidelity are registered service marks of FMR LLC, used by Fidelity Charitable under license.

"Giving Account" is a registered service mark of the Trustees of Fidelity® Charitable.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.

Google, Google Pay and the Google Logo are trademarks of Google LLC.

©2020 Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Use only in accordance with law.

© 2021 The Kiplinger Washington Editors. Used under License.

Fidelity Go® provides discretionary investment management for a fee. Advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS and NFS are Fidelity Investments companies.

The creditor and issuer of this card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

Fidelity® and Elan Financial Services are separate companies.

Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the issuer pursuant to a license from Visa U.S.A., Inc.

Third-party trademarks appearing herein are the property of their respective owners. All other service marks are property of FMR LLC.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

Источник: https://www.fidelity.com/cash-management/visa-signature-card

Freedom Visa Credit Card Login

Last Updated: 28-01-2020

How to activate a Chase credit card

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Activate your Chase card in order to use it. The process is simple and can be done online or by calling Union savings bank com. The activation process may take up to a few minutes, but once activated, you can use your credit card right away.

Activate your Chase card online if you’d rather not be stuck on the phone. Follow these simple steps:

  1. Go to the Chase Verify webpage.
  2. Enter your login details or sign up if you’re a first-time Chase cardholder.
  3. To sign up, you’ll need your Social Security number and your card, account or application number.
  4. Once you log in, navigate to My accounts.
  5. Select your new card and choose the activation button.

If you prefer getting things done by phone, make sure you have your Social Security number, your credit card number and your security questions ready. Once you have all the information you need, here’s how to activate your card by phone:

  1. Call 800-432-3117 for personal cards or 888-269-8690 for business cards.
  2. Enter the last four credit card digits
  3. Follow the prompts to activate the card.

How do I know if my Chase card is activated?

Log in to your online account and navigate to My accounts. Your new card information should be available from there.

Now that you have activated your Chase credit card, you’ll want to know how to optimize your card use so you can get the highest value out of it.

  1. Download the mobile app. Downloading the Chase mobile app helps you track your rewards, monitor your accounts, make payments or activate Chase Offers.
  2. Set up digital wallets. Simplify your online and in-store purchases using your smartphone or a smartwatch. To use it, you need to set up a digital wallet.
  3. Enroll in online banking. Enroll in Chase online banking to control your finances, monitor your account, redeem rewards and more. To enroll, you need to provide your personal information such as your SSN or tax ID, your bank account and your mobile phone number.
  4. Set up a PIN. If you didn’t get a personal identification number (PIN) with your card or if you want to reset your old one — call 800-297-4970. Follow the automated instructions to set it up. You need a PIN for ATM cash withdrawals and credit card purchases abroad.
  5. Set up autopay. Access your Chase online account or your mobile app and select the card you want. Select Set up next to automated payments. Chose the amount you wish to pay each month and from which account you wish to pay.
  6. Maximize rewards. The Chase Freedom and Chase Sapphire cards are part of the Chase Ultimate Rewards program. This means that even though some of the cards are marketed as cashback cards, you actually earn points. Check out our guide on earning Chase points, on Chase points redemption and even how to transfer your points to Chase’s airline and hotel partners.

Activating your Chase credit card is easy — either by phone or online. But now that you have a Chase credit card, consider adding a great alternative credit card to your wallet, which can get you additional perks or expand your credit limit.

Источник: https://www.finder.com/activate-chase-credit-card

Credit cards

Check to see if you’re eligible

Before you apply, find out how likely you are to be accepted for a Barclaycard with our free, easy-to-use tool. Just so you know – your credit rating won’t be affected, and you’re not obliged to apply for a card afterwards.

Compare our credit cards

Whether you’re new to credit, want to manage your money better or you’re looking for rewards, we’ve got a range of cards that could help.

Barclaycard Rewards card

  • 0.25% cashback on your everyday spending
  • No fees abroad – you’ll be able to withdraw cash visa freedom credit card login a cash machine, buy your souvenirs without any charges and benefit from Visa’s competitive exchange rate
  • Get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply

Representative example

Representative22.9% APR (variable)

Purchase rate p.a.22.9% (variable)

Based on credit limit of£1,200

If you apply for a Barclaycard, we’ll show you more information about how to get the most from your offer. The approval of your application depends on financial circumstances and borrowing history, so do the terms you may be offered. The interest rates may differ from those shown.

Barclaycard Forward

  • A personalised credit limit between £50 and £1,200
  • 0% interest on purchases, for three months after you open spirit airlines phone number usa account
  • Price promise – 3% interest rate reduction if you make all your payments on time for the first year. Keep it going in the second year and you’ll get another 2% reduction
  • Get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply

Representative example

Representative33.9% APR (variable)

Purchase rate p.a.33.9% (variable)

Based on credit limit of£1,200

If you apply for a Barclaycard, we’ll show you more information about how to get the most from your offer. The approval of your application depends on your financial circumstances and borrowing history, so do the terms you may be offered.

Barclaycard Platinum up to 29 month balance transfer card (a transfer fee applies)

  • 0% interest on balance transfers for up to 29 months, which starts on the date you open your account (a 2.69% transfer fee applies). You’ll need to make your transfers within the first 60 days to enjoy the 0% offer
  • 0% interest on purchases for up to 3 months from the date you open your account
  • Get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply

Representative example

Representative21.9% APR (variable)

Purchase rate p.a.21.9% (variable)

Based on credit limit of£1,200

If you apply for a Barclaycard, we’ll show you more information about how to get the most from your offer. The approval of your application depends on financial circumstances and borrowing history, so do the terms you may be offered. The balance transfer period and interest rates may differ from those shown.

Barclaycard up to 20 month balance transfer and up to 22 month purchase Platinum card (a transfer fee applies)

  • 0% interest on purchases, for up to 22 months after you open your account
  • 0% interest on balance transfers for up to 20 months, which starts on the date you open your account (a 2.9% fee applies). You’ll need to make your transfers within the first 60 days to enjoy the 0% offer
  • Get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply

Representative example

Representative21.9% APR (variable)

Purchase rate p.a.21.9% (variable)

Based on credit limit of£1,200

If you apply for a Barclaycard, we’ll show you more information about how to get the most from your offer. The approval of your application depends on financial circumstances and borrowing history, so do the terms you may be offered. The balance transfer period and interest rates may differ from those shown.

Barclaycard Platinum up to 15 month balance transfer card (no transfer fee applies)

  • 0% interest on balance transfers for up to 15 months, which starts on the date you open your account (no transfer fee applies). You’ll need to make your transfers within the first 60 days to enjoy the 0% offer
  • 0% transfer fee on each balance transfer made. Terms and conditions apply
  • 0% interest on purchases for up to 6 months from the date you open your account
  • Get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply

Representative example

Representative21.9% APR (variable)

Purchase rate p.a.21.9% (variable)

Based on credit limit of£1,200

If you apply for a Barclaycard, we’ll show you more information about how to get the most from your offer. The approval of your application depends on financial circumstances and borrowing history, so do the terms you may be offered. The balance transfer period and interest rates may differ from those shown.

You must have a Barclays or Barclaycard account, have a mobile number and be aged 16 or over to use the Barclays app. Terms and conditions apply.

Источник: https://www.barclays.co.uk/credit-cards/

How to add an authorized user to a Chase credit card

Know a family member or friend struggling with a low credit score? Or maybe that relative or friend has little to no credit history. You might be able to help them build or improve their score by adding them as an authorized user to your Chase credit card.

Be warned, though: Only do this with people you trust. You’re ultimately responsible for the debt that authorized users run up. If they decide not to pay it down, you’ll have to do it.

See related: Authorized users: 3 common scenarios for sharing a card account

How to add an authorized user to a Chase credit card

What is an authorized user?

An authorized user is allowed to use your credit card account. These users will get their own credit card and can use it to make purchases.

An authorized user, though, bears no responsibility for making payments on your card. That responsibility is still on you. The theory is that authorized users will pay you for their purchases when your credit card bill comes due. But if they don’t, you’re on the hook to make those payments.

Why add an authorized user to your credit card?

You won’t receive any advantages when you add an authorized user to your credit card account. But your authorized users will.

When you add authorized users, you’ll provide them with a credit score boost. When you make your payments on time, it not only helps your credit score, but the credit score of your authorized user as well.

This is important for people who have weak credit or haven’t yet built a credit history. Parents, for instance, might add their children as authorized users, helping them build a credit history before they can even apply for a credit card on their own.

What are the requisites for becoming an authorized user on a Chase card?

You can add anyone as an authorized user to your Chase credit card. It doesn’t have to be a family member, and Chase doesn’t have minimum-age limitations for authorized users.

All you’ll need to provide is the authorized user’s name, birth date and address. A Social Security number is not required to become an authorized user on a Chase credit card.

See related: What’s the minimum age to be an authorized user?

How to add an authorized user on your Chase account

Adding an authorized user is easy.

  • Log onto your account at Chase.com.
  • Click the “Accounts” tab.
  • Under “More Options,” click on the “Account Services” menu.
  • Select “Add an Authorized User.”
  • If you have multiple cards with Chase, you’ll have to choose one of them.

Next, fill out the required information about the authorized user.

Your authorized user will then receive a credit card. Chase reminds you on the sign-up page that your authorized user will be able to make charges on your account but isn’t responsible for making payments. That responsibility falls on you.

Is there a fee for adding an authorized user to a Chase card?

Adding an authorized user is free on most Chase credit cards. However, you will have to pay $75 for every authorized user you add to the Chase Sapphire Reserve.

Parents often add their children to their credit card accounts to help them build their credit.

Can you set up specific credit limits for authorized users on a Chase card?

Like the majority of credit card companies, Chase doesn’t allow you to set up a specific credit limit for any authorized users. If your credit limit is $10,000, your authorized user’s credit limit will also be $10,000.

Do authorized users have access to all the benefits on a Chase card?

Authorized users have access to most of the benefits on a Chase card, such as purchase protection or auto rental insurance, if the card offers it. However, if you have a rewards or cash back card such as the Chase Sapphire Preferred Card or Chase Freedom, only you can redeem those awards. Your authorized user can’t. As a benefit to you, though, the purchases that your authorized user makes will count toward your rewards points.

Can you limit access to some benefits to authorized users on a Chase card?

Your authorized user visa freedom credit card login have the same credit limit as you and will be able to use your card as often as they’d like. They won’t, though, be able to redeem your rewards points or request a change visa freedom credit card login your credit limit.

See related: How to transfer a balance to a Chase credit card

What are the pros of adding an authorized user to your credit card?

Parents often add their children to their credit card visa freedom credit card login to help them build their credit. Joi King, president and CEO of Global Financial & Credit Solutions in Philadelphia, is an example. She added all of her children to one of her credit cards as soon as those children turned 13.

This move paid off, King said.

“By the time they hit 18, they already had five years of credit established and a good credit score,” she said.

R.J. Weiss, founder of The Ways To Wealth personal finance blog said there are limits to the credit boost people can receive by becoming an authorized user. How much of an impact this has depends on a person’s existing credit history and credit score.

But the boost to people’s credit history is usually lower than what they would get from using their own credit cards, Weiss said.

The authorized user can spend as much money as he or she wishes [on your credit card]. There needs to be a level of trust. If they don’t understand the expectations of how much to use your credit card, it can hurt you both.

R.J. Weiss, founder, The Ways To Wealth personal finance blog

What are the cons of adding an authorized user to your credit card?

There is a risk here, though. Authorized users can run up your credit card debt, something that could hurt your credit score. It’s why King says cardholders should clearly spell out their expectations for how an authorized user can use their card.

The primary cardholder might say an authorized user can only charge up to $50 a month. They might say authorized users can only use the card for specific expenses, such as paying for gas to get to work or school. Primary cardholders should also establish clear dates for when authorized users will pay them back for the purchases they make.

“The authorized user has your credit card and can spend as much money as he or she wishes,” Weiss said. “There needs to be a level of trust. If they don’t understand the expectations of how much to use your credit card, it can hurt you both.”

Primary cardholders must explain what consequences authorized users will face if they misuse the credit card. What happens if an authorized user runs up hundreds of dollars in credit card debt in a month? Will the primary cardholder immediately remove this user from the account, or will the authorized user have more than one chance to make up for a mistake?

Whatever the expectations and consequences are, visa freedom credit card login must be clearly stated, King said.

“An authorized user could max out your credit card and walk away without paying anything,” King said. “All the responsibility for those purchases will fall on the primary cardholder. So, you need to be certain that you can trust any authorized user.”

See related: Will adding me as an authorized user hurt my mom’s credit score?

How adding, and becoming, an authorized user can affect credit

Oleg Yavorovskiy, CEO of New York City-based Guardian Debt Relief, said authorized users should take care, too. While being added as a user can boost their credit scores, it could also hurt them, depending on the financial savvy of a primary cardholder.

As Yavorovskiy says, if visa freedom credit card login primary cardholder makes a late payment – a payment is late when it is 30 days or more past its due date – that will cause the primary cardholder’s credit score to drop. But it will also damage the score of the authorized user.

Primary cardholders with a high credit utilization ratio can also damage the credit scores of authorized users, Yavorovskiy said. Credit utilization – the amount you have borrowed compared to your credit limit – is the second most important factor in credit-scoring calculations after making on-time payments.

If a cardholder has a $10,000 credit limit on a card and has a balance of $8,000 on that same card, that will result in a high credit utilization ratio. The higher this ratio, the worse it is for a cardholder’s score. It will also damage the score of an authorized user.

For this reason, Yavorovskiy said, it’s best to become an authorized user on the credit card account of a family member or friend whom you trust and who makes payments on time and in full each month.

“It’s important to have clear guidelines of what’s expected of everyone,” Yavorovskiy said.

And if an authorized user arrangement isn’t working, either because of bad financial behavior on the part of the authorized user or primary cardholder? Primary cardholders can drop authorized users instantly, and authorized users can ask to be removed by the issuer.

How to remove an authorized user from a Chase credit card

To remove an authorized user, call Chase using either the number on the back of your credit card or 1-800-432-3117. You can also send Chase a secure message with this request by logging onto your account and visa freedom credit card login “Connect with Chase” and then “Secure messages” from the side menu.

How to take advantage of becoming an authorized user on a Chase credit card

  • Pay all your other bills on time each month to provide an additional boost to your credit. If you have additional credit card debt, pay as much of it down as you can. This, too, will improve your credit score.
  • Don’t take advantage of the family member or friend who has added you as an authorized user. If you and this person have an agreement on how much you can charge each month, stick to it.

Be sure to pay for your charges on the agreed-upon due date. Remember, the primary cardholder can remove as you as an authorized user whenever he or she likes. Be respectful and stick to whatever arrangement you’ve created.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Dan Rafter has covered personal finance for more than 15 years for publications ranging from The Washington Post and Chicago Tribune to Wise Bread, HSH.com and MoneyRates.com. His work has also appeared online at the Motley Fool, Fox Business, Huffington Post, Christian Science Monitor and Time.

Источник: https://www.creditcards.com/credit-card-news/add-authorized-user-chase/

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