Authorized User basics for SoFi Credit Card – SoFi

What is an Authorized User?

An authorized user is someone who’s been added to a credit card account by the primary cardholder. They receive a credit card in their name that is linked to the primary cardholder’s account. While the authorized user is not responsible for the account and its status, it may reflect on their credit
Authorized users can purchase on the account, and spend rewards are applied to the primary cardholder's rewards balance
Payments are the primary cardholder's responsibility
The minimum age required for an authorized user is 15
The maximum number of authorized users you can have is 5

Authorized User Capabilities

Speaking with an Agent	Using the Automated Phone System	Using Web or Mobile App
Activate their card Update their profile information Report their card as lost or stolen Report fraud on their card Review details on their own transactions Dispute their transactions Remove themselves as an authorized user Freeze/Unfreeze their card Make a payment Hear balance due on the account Hear the date and amount of the last payment	Activate their card When calling from the phone number associated with the Primary member’s credit card account. Hear balance due on the account Hear recent transaction details Hear date and amount of the last payment Make a payment	N/A

How do I Add/Remove an Authorized User?

To Add:

Log into your SoFi account and click on Credit Card
In the app, tap on the three dots icon at the top of the screen. On the web, click More
Click or tap on Authorized User
Click or tap Add an authorized user
If an authorized user already exists, the button will say Add additional cardholder
Complete all fields and click or tap Next
Confirm all information is correct and click or tap Next

To Remove:

Log into your SoFi account and click on Credit Card
In the app, tap on the three dots icon at the top of the screen. On the web, click More
Click or tap on Authorized User
Click or tap Manage Authorized User
Click or tap the x symbol next to the user you would like to remove
Click or tap Delete User

Authorized users must call (844)-945-SOFI(7634) to request removal from the account