So You Want to Share the Costco Love (and Credit Limit) with an Authorized User?
Ah, the magic of Costco. Bulk buys, free samples, and a never-ending quest for the elusive Kirkland Signature Everything Bagel seasoning. But what if you want to spread the Costco cheer (and maybe lighten the load on your wallet) by adding an authorized user to your trusty Citi Costco credit card? Fear not, fellow adventurer, for I shall guide you through this bureaucratic maze with the finesse of a forklift navigating a warehouse aisle.
But First, a Word of Warning (or Two, or Three)
Adding an authorized user is a big deal. We're not talking about sharing a churro here (although, honestly, that can be a battle too). You're basically saying, "Hey, responsible individual, go forth and swipe this plastic rectangle! Just remember, I'm the one on the hook for the bill." So, choose your authorized user wisely. Maybe skip adding your pet goldfish, Mr. Nibbles, unless he's got a surprisingly lucrative side hustle going (good for Mr. Nibbles!).
Here's the upside: Authorized users can build their credit history by using the card responsibly (win-win!). Plus, they'll score their own Costco card, which means separate shopping trips (hallelujah for avoiding the bulk-buy broccoli debate).
The downside? You're on the financial firing line for their purchases. So, if your teenager decides to re-enact the Great Toilet Paper Shortage of 2020, well, you might be left with ramen noodles for dinner (hey, at least it's a bulk buy!).
Alright, You've Weighed the Risks (and the Potential for Free Pizza Samples with Your New Buddy). Now How Do We Do This?
There are two main battlefields for adding an authorized user: the online realm and the phone lines.
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For the Online Warriors: Gear up with your login information and head to the mystical land of your Citi online account. Navigate the treacherous menus (hopefully without getting lost in a sea of investment options) until you find the authorized user section. There, you'll be prompted to enter your chosen one's information – name, date of birth, the whole shebang. Just imagine them auditioning for Costco membership (fun fact: there's no age limit for authorized users, so get those toddlers building credit early!).
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For the Phone Phantoms: If the internet scares you more than a pallet of expired protein bars, then grab your phone and dial the magical number on the back of your card. A friendly (hopefully) Citi representative will guide you through the process, patiently answering all your questions (like, "Can I add my pet goldfish?" – the answer is still no).
Once you've conquered either the online form or the phone maze, congratulations! You've successfully added an authorized user. Now, just sit back, relax, and enjoy the thought of all those reward points rolling in (and maybe mentally prepare yourself for a shopping spree with your new Costco partner-in-crime).
