You were an authorized user of the card and should be able to use it any time.
It's not a fraud for you to use the card. That is... unless you made the charges on the card while knowing that the bill would not be paid because of the primary card holder's death. That could be considered fraud.
I have seen it done, and it still continues.
Using someone else's credit card is always fraudulent. If you think about it, who is guaranteeing that the credit card bill will be paid?
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.
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.
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.
Yes if the authorized cardholder gave them permission to use the card.
Credit card companies are usually responsive ONLY to the primary card holder. They generally will not speak to, or honor requests from authorized users.
Yes
Primary account holder is the person on whose name the bank account is created in the first place. Ex: Assuming you have a bank account and then once you get married you would include your spouse as a joint account holder. you will be the primary account holder and your spouse would be the secondary holder.
Depends on what "Type" of Credit Holder you are. Here is how that will go: If you are what is known as an authorized user on the account. (i.e. - The Primary account holder has given you permission to make charges on the account), the answer is No. The primary account holder is responsible for any charges he/she has allowed you to make on the account. If you are a Secondary account holder (i.e. -your name was put on the account APPLICATION at the time the card was applied for), then your answer is YES. If the Primary account holder defaults on the account, then the credit card company will turn to try and collect from the Secondary account holder. BEWARE of becoming a secondary holder on anything that has to do with credit. If you know that the Primary holder may default, you could get stuck with a huge amount of debt on your hands, and if you can't pay, your nice credit score of 783 could very quickly go down the drain to 535 or lower.
Pay off the balance and close the account. Then reopen a new account with only the primary holder.
No, authorized users are not responsible for an account. Only the actual account holder is responsible for all debt that is incurred.
Yes. The point of having an authorized user is for that person to be able to use the credit card of the primary card holder. Usually when an authorized user is created, specific limits (amounts, number of transactions, merchant types, etc.) are set up. Sometimes the authorized user is given a card in their own name and that card may even have a different card number so usage may be tracked by the card company and the primary card holder.
The authorized users who had full access to the account are both equally responsible for the debts incurred. The secondary user most likely used the card before the primary became deceased ... just because the primary account holder dies does not dismiss the responsibility of the secondary account user.