It is possible that they would hold you responsible for the entire balance of the account. It could be seen as a fraudulent conveyance to continue using an account after someone has died. The company has the legal right to be notified of the death of a card holder so that it can file a colleton judgment against the estate, if there is one. I would advise youto stop using the card immediately and seek legal counsel, just in case. No, as an "authorized user" you are not responsible for the balance.
For more info: http://www.bcsalliance.com/z_authorizedusers.html
RESPONSE TO ABOVE ANSWER: The question pertains to if the PRIMARY IS DECEASED and the authorized user continues to use the card. Yes, while the primary card holder is ALIVE, the authorized user is not liable. And the authorized user will not be held responsible for charges incurred before the primary has died. It would seem extremely unlikely, however, that banks or law would permit an individual to continue to use a line of credit of a dead person if they aren't legally responsible for repayment.
Yes if the authorized cardholder gave them permission to use the card.
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
No. The secondary cardholder's credit history has nothing to do with the primary cardholder's. The reason for this is even if there are two cards, there is still only one account for both cards which the primary cardholder is responsible. Jags
No, only the primary cardholder's credit score is affected.
No, as an authoriezed user on someone else's card, any purchases you make goes on the primary cardholder's statement and his credit bureau file, not the authorized user's file
Authorized users are not responsible for repaying cc charges. Unless they are a spouse of the account holder and live in a community property state. I work at a credit card company and an authorized user is just someone who is able to make charges on the account. The primary cardholderand/or the joint cardholder would be the one responsible for the bill. The payment history may be reported to your credit bureau though. That does happen with some companies.
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 the card then you are responsible for the card too. so yes they can
It depends. If the additional cardholder is designated ONLY as an authorized user, that is - that person's credit history was not used together with the decedent's credit history for the original credit line - then no, because the credit line is linked only to one social security number. If the additional cardholder applied as a co-applicant (not added as an authorized user) with the decedent for the original credit line - then more than likely, yes. Individual state laws take precedence. Ask for an original copy of the contract from the creditor to be sure.
Authorized users are usually not responsible for debt incurred by the use of a credit card. However, some card issuers have begun to require an authorized user to sign an agreement similar to those of a the traditional cosigner. Such stipulations contained in the contract of the primary card holder can result in any user being subjected to repayment of those charges he or she makes on the account. Before entering into such an agreement the authorized user should make themselves aware of all the conditions pertaining to the use of the account.
The estate of the cardholder. Anyone else named on the card, or the spouse, could be held responsible.
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.