Authorized users are given permission by you to make transactions with your card, such as purchases or cash advances. They are not responsible for paying the credit balance (this is on the primary account owner), but they are given the ability to make a payment either online or by visiting a WaFd Branch for an in-branch payment (authorized users cannot make cash payments). An authorized user can also enroll into the online credit card portal where they will have full access to transaction history, statements, and the ability to initiate disputes. They are not able to change any of the primary account information or request limit changes.