<prompt> Human: Thanks for the advice, really appreciate it!  <response>: I would just like to point out that being an authorized user is not as good as having your own credit card. I was an authorized user on my parents card for 7 years with excellent credit before I got my own credit card. When I applied for my first credit card Chase Freedom Unlimited, I was denied due to lack of my own credit history. I wish when I was 18 I got my own card, bought something on it every month, and paid the balance in full at the end of the month. Thats really the best thing you can be doing for your credit right now. tl;dr: Being an authorized user is great, but is no substitute for having your own card and paying it off every month. 