What is Credit?:

Credit is when someone or something (Bank) is willing to lend you a certain amount of money.

Why do YOU need it?

Because it is the fastest way to create more money.

Authorized User:

An AU is a person that has been added to someone else's credit card. For example I added my Wife to my credit card as an AU.

Why do this?

It is the fastest and easiest way to raise your credit score, because it adds the following:

• History or Length of time with credit,

• Great Payment history,

• Lower CCU due to an Increase in amount of money you have access to,

• Added credit (Trade lines).