A credit card authorized user agreement is an agreement between the primary cardholder and the authorized user. It outlines the terms and conditions of adding an authorized user to a credit card account.

As an authorized user, you are granted permission to use someone else`s credit card account as if it were your own. This means that you can make purchases, payments, and even withdrawals using the credit card.

However, before you become an authorized user, both the primary cardholder and the authorized user need to sign a credit card authorized user agreement. This agreement sets out the terms and conditions of the authorized user`s access to the credit card account.

The agreement typically includes information on the following:

1. Access to the credit card account: The authorized user agreement outlines the user`s access to the credit card account, including the card number, the cardholder`s name, and the credit limit.

2. Responsibility for charges: The agreement outlines the responsibility for any charges made with the credit card. The primary cardholder is ultimately responsible for any charges made by the authorized user, but the authorized user may also be held responsible for any charges they make.

3. Limitations on use: The agreement sets out any limitations on the authorized user`s use of the credit card. This may include restrictions on the amount of purchases, cash withdrawals, or other transactions that the authorized user can make.

4. Termination of the agreement: The agreement outlines the circumstances under which the authorized user`s access to the credit card account may be terminated. This may include situations where the primary cardholder cancels the credit card or where there are any violations of the agreement.

5. Liability for fraud: The agreement outlines the liability for any fraudulent charges made on the credit card account. Both the primary cardholder and authorized user may be held liable for any fraudulent charges made on the account.

As an authorized user, it`s important that you read and understand the terms of the credit card authorized user agreement before signing. Make sure you are aware of your responsibilities as an authorized user, including the consequences of any fraudulent or unauthorized charges.

In conclusion, a credit card authorized user agreement is a legally binding document that sets out the terms and conditions of the authorized user`s access to a credit card account. Before becoming an authorized user, it`s important to read and understand the agreement to ensure you understand your responsibilities and obligations.