Absolutely not ! If the card is not i your name - you have no legal responsibility for any outstanding balance. HOWEVER - IF you are named on the account as a joint card-holder - you're legally responsible for fifty percent of the balance, regardless of who ran up the debt. Additionally, if you have a second card on the same account - YOU are liable for the expenses occurred on your and the account-holder is also liable for fifty percent of the balance.
i just want an answer
No, Rhode Island is not a community property state and an authorized user is not responsible for the debt incurred.
If you are a joint applicant, then yes, but if the card is not in your name, then no.
No, authorized users are not responsible for debt incurred on such an account.
No but if something happens to the card-holder, like dieing or being arrested, the authorized signer will be made responsible.
i just want an answer
if you are an authorized user on the card then you are responsible for the card too. so yes they can
No, Rhode Island is not a community property state and an authorized user is not responsible for the debt incurred.
If you are a joint applicant, then yes, but if the card is not in your name, then no.
Your dead spouse's estate is responsible for the credit card debt. In practice, this may amount to "you are responsible for it."
Not to the credit card issuer. The account holder is totally responsible for debt incurred on a credit card. The exception is married couples residing in community property states, where both spouses are considered have the same rights to property and assets and the same responsiblity for debts.
No.
No, authorized users are not responsible for debt incurred on such an account.
No but if something happens to the card-holder, like dieing or being arrested, the authorized signer will be made responsible.
No. Authorized users are NOT responsible for credit card debt, regardless of the state of residency.
Of course, and they can be sued if they don't pay.
Being an authorized user no longer has an impact on your credit score like it used to. In the past, you were able to be added as an authorized user on a credit card, and all of the credit history and credit limit would be reported on your credit report as if it was your credit effectively obtaining unearned credit for the authorized individual. A few years ago the credit reporting industry changed, and no longer recognize an authorized user as credit responsible and therefore it has little to no impact on your credit score. If you would like to obtain credit from this card, contact the card issuer and request to be added as a joint user. If you are jointly responsible for the credit, it will report to the bureaus and impact your score. Approval is still required, but it is typically easier to be approved when you are already and authorized user on a card.