Hi everyone and thanks for joining me on the Money Girl Podcast. My name is Laura Adams.

I'm a personal finance expert and author who loves helping you stay on top of your finances

and get your questions answered. Why? Well, we all work really hard for what we have,

and if you're like me, I know you are, your finances

are extremely important to you.

So this show is about helping you understand important topics and giving you actionable steps to take so you can live rich and love the journey.

I want to thank all of our new subscribers.

You are sharing the show on social media, telling your friends, and submitting reviews on iTunes.

It means so much to me.

Thank you.

And if you're not sure how to submit a review from your phone on iTunes,

I'll tell you how to do it at the end of the show. This episode is about

having an authorized user on a credit card account or being an authorized user on

someone else's card.

So this show is for you if you have a credit card,

and it's also for you if you don't have a credit card.

Maybe you're just starting out and you're just getting started,

building credit, or maybe you hit a financial rough patch and

you're working on rebuilding your credit right now.

One strategy is to become an authorized user.

But you need to fully understand what that is

and how it can affect your credit for good and bad

...