3. Become an Authorized User (on Someone Else’s Card)
This one is a riskier move, and it requires teamwork and trust between people. If you have someone in your life you can trust, then go ahead and try it!
Becoming an authorized user on someone else’s card will allow you to make purchases similar to the account holder. For this, you’ll also, obviously, receive your own card.
One of the biggest downsides? Your credit score will suffer if the account holder doesn’t pay the bill, so consider this a double-edged sword method. On top of that, removing yourself from the account could be impossible, so you might be in this together for a long, long time.
By the way, you can also ask the account holder to hold on to your card for you so that you won’t feel tempted to use it.
