What are the downsides of putting my nephew as an authorized user on my credit card if he never uses it? What are the downsides of putting my nephew as an authorized user on my credit card if I never even give him a card and he never uses it? I understand the risks involved if he does use it. Forget about those. I’m just trying to decide if I am not thinking of some other risk. My dad did it for me when I was young and it really helped my credit s…

being an authorized user of a credit card is ruining my credit score. What do I do? My dad added me as an authorized user of his credit card without me knowing. He thought he could build my credit because he has 100% payment history. But he has accrued a lot of credit card debt becuase he didn’t know that would affect my credit score (~3k). this is negatively impacting my score because it is like 50% of my credit utilizaiton. i…