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Adding A Family Member As Authorized User Can Transfer Credit Age Benefit Instantly
Authorized user method transfers seasoned credit age and accelerates clean score formation.
A powerful strategy to help a young working adult or student build credit is adding them as an Authorized User on a long existing clean primary card.
When the card has over 5+ years age and repayment history, the AU inherits this age benefit and begins to display mature credit profile signals immediately. This method accelerates score formation without exposing them to independent card spending misuse risk.
The primary card holder should maintain utilisation below 30% to ensure AU inherits positive bureau signals only.