What is the impact of an Authorized User’s credit history?

The bank will report the credit card activities to the credit bureaus and the history may appear on the authorized user’s credit report. This may positively impact an authorized user, by helping the authorized user to build a strong credit history, if:

1. The primary cardholder has a strong history of on-time payments.
2. The credit utilization rate is low. To calculate your utilization ratio, simply divide the total credit card balances by the total credit card limits of all your cards.