Can I add a non-US citizen to my Chase credit card?

Adding a Non-US Citizen as an Authorized User to Your Chase Credit Card

Adding authorized users to your Chase credit card offers convenience and helps build credit for others. But what if the person you want to add isn’t a US citizen? Can you still include them? The answer is yes, with a few caveats.

While Chase doesn’t explicitly bar non-US citizens from being authorized users, they do require a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) for all authorized users. This is a crucial piece of information for Chase’s internal processes and compliance. Therefore, the eligibility of a non-US citizen hinges entirely on their possession of either an SSN or ITIN.

What’s the difference between an SSN and an ITIN?

• SSN (Social Security Number): Issued by the Social Security Administration (SSA) to US citizens and permanent residents. It’s primarily used for tracking employment and earnings for Social Security and Medicare benefits.

• ITIN (Individual Taxpayer Identification Number): Issued by the IRS to non-US citizens and residents who are required to file US federal tax returns but don’t have an SSN. This number is specifically for tax purposes and doesn’t grant the same access to government services as an SSN.

The Process:

If your non-US citizen has an SSN or ITIN, adding them as an authorized user is generally the same process as adding a US citizen. You’ll typically do this through your Chase online account or by contacting Chase customer service. Be prepared to provide their full name, date of birth, and their SSN or ITIN.

Important Considerations:

• Credit Impact: Adding an authorized user, regardless of citizenship, will not affect your credit score. However, their credit history will also not be impacted by being added to your account. The authorized user’s credit report will only reflect their own individual credit activity.

• Financial Responsibility: While their credit isn’t affected, remember that you remain fully responsible for all charges made on the account, even by the authorized user.

• Documentation: Ensure you have the necessary documentation to verify the identity and tax information of your intended authorized user.

In summary, adding a non-US citizen to your Chase credit card is feasible provided they hold a valid SSN or ITIN. Remember to carefully consider the responsibilities involved before adding anyone as an authorized user. Always refer to the official Chase guidelines and contact Chase directly if you have any questions or concerns.