You may have heard the term “credit piggybacking” thrown around in regards to credit cards and how it may enhance your credit score.

So what exactly does it entail? Well, the “piggybacker” is an authorized user and is allowed to get a credit card and be the primary user, however, someone else deals with the debt. Typically these are allotted to family members (spouse, parent, children, etc.). This credit history becomes both the primary card user’s as well as the authorized user’s.

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