Does Apple Card Have Authorized Users?
Apple Card, launched in August 2019, has quickly gained popularity for its innovative features and seamless integration with the Apple ecosystem. One of the frequently asked questions about this digital credit card is whether it supports authorized users. In this article, we will delve into this topic and provide a comprehensive overview of Apple Card’s authorized user policy.
Understanding Apple Card’s Authorized Users
Apple Card allows cardholders to add authorized users to their account. These authorized users can be family members, friends, or anyone else who needs access to the card. However, it’s important to note that authorized users do not have the same rights and responsibilities as primary cardholders.
Adding an Authorized User
To add an authorized user to your Apple Card, you need to follow these steps:
1. Open the Wallet app on your iPhone.
2. Tap on your Apple Card.
3. Select “Manage” from the menu.
4. Tap on “Add Authorized User.”
5. Enter the contact information of the person you want to add.
6. Choose the type of access you want to grant them (view transactions or make purchases).
7. Confirm the addition of the authorized user.
Responsibilities and Rights of Authorized Users
Once an authorized user is added to your Apple Card, they will have the following rights and responsibilities:
1. View Transactions: Authorized users can view all transactions made on the card, but they cannot view the card’s account balance or make any changes to the account settings.
2. Make Purchases: Depending on the access level you grant, authorized users can make purchases using the card. However, they are not responsible for paying off the balance or any associated fees.
3. No Liability: If an authorized user makes a purchase, the primary cardholder is responsible for the payment. This means that authorized users do not have any liability for the card’s balance.
Benefits and Limitations
Adding authorized users to your Apple Card can be beneficial in several ways:
1. Financial Management: It allows primary cardholders to monitor spending and budgeting more effectively.
2. Convenience: Authorized users can make purchases using the card, which can be convenient for family members or friends.
3. Security: The primary cardholder has control over the account and can manage authorized users’ access levels.
However, there are some limitations to consider:
1. No Separate Credit Score: Authorized users do not have their own credit score based on their usage of the card.
2. Limited Access: Authorized users can only view transactions and make purchases, and they do not have the same rights as primary cardholders.
Conclusion
In conclusion, Apple Card does have authorized users, but they have limited rights and responsibilities compared to primary cardholders. Adding authorized users can be a convenient way to manage finances and provide access to family members or friends, but it’s important to understand the limitations and ensure that the primary cardholder remains responsible for the account.
