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That activity generally is reported, but you’ll want to make sure — otherwise your credit-building efforts may be wasted.
You should come to an agreement on how you’ll use the card before you’re added as an authorized user.
Your cash deposit is used as collateral if you fail to make payments.
These loans are most often offered by credit unions or community banks; at least one lender offers them online.
It’s also possible to get a loan or an unsecured credit card using a co-signer.
Not every credit score takes these payments into account, but some do, and that may be enough to get a loan or credit card that firmly establishes your credit history for all lenders.
Building a good credit score takes time, probably at least six months of on-time payments.