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    There are a lot of people besides prospective lenders that can look into you. Potential employers, as well as insurers, may see your report or score.
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    Adding an authorized user may be a useful tactic, but it is beneficial to understand how issuers and credit bureaus deal with this information before doing so.
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    You don't have a Visa or Mastercard account. The bank issues you a monthly statement, processes your payments, credits you with points, and so on and so forth. In contrast, both Discover and American Express handle transaction processing and card issuance internally.
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    An overdraft occurs when a bank accepts a transaction or withdrawal even when there isn't enough money in the account to support it. When an account balance falls to zero, a line of credit is opened for the customer. Account holders can continue making withdrawals even when there is no or inadequate cash in their account due to an overdraft.

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