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

As a Capital One cardholder, you may want to add a family member or close friend to your credit card account as an authorized user. You can add an individual as an account manager with full access or as an authorized user with limited access online. Log into your account and follow the steps under "Manage Account Users" to add or remove individuals quickly and easily.

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.

Why Did GetHuman Write "How Do I Add an Authorized User to My Capital One Account?"?

After thousands of Capital One customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. So we put together How Do I Add an Authorized User to My Capital One Account? to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting Capital One if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.

Why does GetHuman Write How-to Guides for Capital One Problems?

GetHuman has been working for over 10 years on sourcing information about big organizations like Capital One in order to help customers resolve customer service issues faster. We started with contact information and fastest ways to reach a human at big companies. Particularly ones with slow or complicated IVR or phone menu systems. Or companies that have self-serve help forums instead of a customer service department. From there, we realized that consumers still needed more detailed help solving the most common problems, so we expanded to this set of guides, which grows every day. And if you spot any issues with our How Do I Add an Authorized User to My Capital One Account? guide, please let us know by sending us feedback. We want to be as helpful as possible. If you appreciated this guide, please share it with your favorite people. Our free information and tools is powered by you, the customer. The more people that use it, the better it gets.

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