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If you are a authorized user on a credit card and the primary holder is not paying the bill can the authorized user be held responsible?
Wiki User
∙ 15y ago
No. Authorized Users are NOT liable for the debt, only the PRIMARY on the account is liable.
Wiki User
∙ 15y ago
Nathan Pehrson
Yes if the authorized cardholder gave them permission to use the card.
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Can you be responsible for the primary user credit card charges even when you were removed from being an authorized user?
If you were only an authorized user and not a joint account holder, you should never be responsible for the primary account holder's debt.
If you are an authorized user on a credit card and the holder files bankruptcy are you responsible for their balance?
No, authorized users are not responsible for debt incurred on such an account.
Are primary card holders credit affected by adding a user?
A Primary card holder's credit will not be impacted by adding an authorized user.
Is an authorized signer responsible for credit card debts if the card-holder stops making payments?
No but if something happens to the card-holder, like dieing or being arrested, the authorized signer will be made responsible.
Is a person who is only listed as an authorized user on a credit card but never used it liable for the debt if the primary holder files bankruptcy?
No. An authorized user is not responsible for credit card debt in any situation. Sorry, I failed to mention that the exception is if the "AU" is a spouse and the couple reside in a community property state. What if the authorized user charged on the card? Would he be held responsible for that?
Can you be responsible for the primary user credit card charges even when you were removed from being an authorized user?
If you were only an authorized user and not a joint account holder, you should never be responsible for the primary account holder's debt.
If you are an authorized user on a credit card and the primary holder dies are you resonsible for the debt?
An authorized user on a credit card can be responsible on an account in which the primary card holder passes. The creditor looks at the situation as the authorized card holder was able to make purchases with the account, and should be held liable, even in the event of the primary's death.
If the primary cardholder is deceased and the authorized user is no relation and not responsible for debt will this affect the authorized user's credit if it is not paid?
AN authorized user cannot be held responsible for a primary holder's debt in any case. Only a joint holder can be liable for the debt. YES OF COURSE
Can a credit card company report bad credit on an authorized user's credit report after the death of the primary card holder?
if you are an authorized user on the card then you are responsible for the card too. so yes they can
Is an authorized credit card user responsible for credit card debt if the primary card holder declares bankruptcy?
No. The card holder is responsible for all debt on the credit they extended to him. (You may be responsible to the credit card holder for the debt he incurred for you, if that was your agreement).
If you are an authorized user on a credit card and the holder files bankruptcy are you responsible for their balance?
No, authorized users are not responsible for debt incurred on such an account.
Are primary card holders credit affected by adding a user?
A Primary card holder's credit will not be impacted by adding an authorized user.
If the primary card holder gives a friend a secondary card to use is the secondary user responsible for the dept or is the primary card holder solely responsible?
It depends if the secondary card holder is a "Joint Account Member" or a "Authorized User". The joint account member is responsible for the balance, the authorized user is not.
Is an authorized signer responsible for credit card debts if the card-holder stops making payments?
No but if something happens to the card-holder, like dieing or being arrested, the authorized signer will be made responsible.
When asked must credit card companies remove you as an authorized user from an account even without the consent of the primary card-holder?
Credit card companies are usually responsive ONLY to the primary card holder. They generally will not speak to, or honor requests from authorized users.
Is a person who is only listed as an authorized user on a credit card but never used it liable for the debt if the primary holder files bankruptcy?
No. An authorized user is not responsible for credit card debt in any situation. Sorry, I failed to mention that the exception is if the "AU" is a spouse and the couple reside in a community property state. What if the authorized user charged on the card? Would he be held responsible for that?
Will nonpayment by a credit card holder effect credit rating of authorized user on account?
NO. Only the primary and/or joint owners are responsible for paying the owed balance, even if all charges were accrued by an authorized user. They are also the only ones 1) held accountable if the bill is not paid and 2) whos credit rating is affected.
