My sister has excellent credit. She always pays her bills on time and is very responsible. She gets some of the Best Credit Card Offers, I have ever seen. She gets offer for credit cards with 0% APR all the time, but she only uses one card. Anyway, when I turned 21, I wanted to buy a car, but I had not yet established any credit. The man at the car dealership said that there was a way to establish credit and my sister could actually help me. She added me to her account as an authorized user. Within a few weeks, I had a credit score and the card showed up on my credit report. I was able to go to the dealership and purchase my new car. I got a great deal and am paying a low interest rate. This is all thanks to my sister’s excellent credit rating.