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Can a primary card holder add an authorized user without the secondary card holders permission?
Wiki User
∙ 14y ago
Yes, they can. This happened to me in August by Capitol One and I only found out yesterday because I ran my credit report. Apparently, they don't even need the secondary person's social, just name and birthday and they send the information to the credit bureau, making this show up on the secondary person's credit report.
I want to know how this is legal!
Wiki User
∙ 14y ago
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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 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?
No. Authorized Users are NOT liable for the debt, only the PRIMARY on the account is liable.
Can a secondary card holder's credit rating hurt the primary card holders credit?
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
Can the secondary card holder on a credit card account transfer credit card balances to a new card?
No unless the primary gives the secondary permission too
Is a secondary credit card holder resposible for debt?
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.
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 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?
No. Authorized Users are NOT liable for the debt, only the PRIMARY on the account is liable.
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.
Can a secondary card holder's credit rating hurt the primary card holders credit?
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
Can the secondary card holder on a credit card account transfer credit card balances to a new card?
No unless the primary gives the secondary permission too
How does it apply to a authorized user on the account and the primary dies and the card is used after the death who is responsible for the debt even if the deceased has no monies in any estate?
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.
Difference between primary server and secondary server?
Primary Means, it is individual there is no dependence, But Secondary will allays depends on Primary, If you want to do Secondary, you should complete primary first, There is no precondition to primary, but for Secondary Primary is the Precondition, first you should do primary, then only you are able to do secondary.
What is primary and secondary victim?
primary: Raul Secondary: Julie
What is Primary demand and secondary demand?
primary and secondary demand
A transformer has 20 primary windings and 100 secondary windings If the secondary voltage is 25 V find the primary voltage?
Voltage on primary/Primary turns = Voltage on secondary/Secondary turns
What are the two coils in a transformer?
primary and secondary coilsAnswerPrimary and secondary windings.
What are the body's primary and secondary responses?
Primary is IgM and secondary is IgG
