<prompt> Human: Hello PF!I am 24 almost 25, birthday on Sunday, currently employed with a good job and am finishing school in a year debt free. I have extremely good credit, 780 FICO to put into perspective. My girlfriend has never had a credit card shes 22 and as a result is having a difficult time building credit. I have been looking into secured cards but many of them come with annual fees and high initial deposits that seem like money that could be better spent. An alternative that I am unfamiliar with is adding her as an authorized user to one of my credit cards, most likely my high cash back card or my travel rewards card. So do authorized users build credit of their own? Will she be able to seemanage her purchases on my card online so she can familiarize herself with how cards work?  <response>: Yes it will help her build credit. Yes she can use online tools. You should absolutely not do it. Get her a secured card and build it herself . 