No. All activity on the card should be ceased. The companies should be notified of the person's demise. A copy of the death certificate or other proof of death rendered to the ccc's. It is illegal for anyone to use a card in such circumstances.
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. She must get a credit card in her own name since the guarantor on the account is deceased.
A Primary card holder's credit will not be impacted by adding an authorized user.
if you are an authorized user on the card then you are responsible for the card too. so yes they can
It negatively affects both the primary and the authorized user credit score and report.
Yes if the authorized cardholder gave them permission to use the card.
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.
An authorized user does not fulfill the definition of "debtor" under the Fair Credit Reporting Act. AU's are not liable for any debt they have not signed a contractual agreement for. If the AU is the heir of a deceased person, the deceased's estate or heirs MAY have liability for their debts. This would depend upon (their state's) inheritance laws and the terms of the will.
If a credit card is used by an individual authorized to use the account and that person was not aware the primary acct holder was deceased when the card was used, the card company will probably include the charges in the final bill submitted to the estate rep. If death was known they will hold the authorised user responsible for the charges. If the user was not authorized and knew about the death of the holder it was fraud and criminal charges should be filed.
No, only the primary cardholder's credit score is affected.
I'm trying to follow what your really saying: Presumably there is a "primary" ...that would be the one who applied for the credit and signed the agreements to pay the charges. That person requested a card for another person to use, under the primaries credit agreement, and agreed to be responsible for the charges that person made...the credit card company went along with this request...but it was NOT extending any credit, or even had any type of agreement with this other authorized signer. All charges by that person are the responsibility of the primary...the debt from using the card is not to the second (authorized) person...and any debt (if there is one you can prove), would be by the authorized user to the primary...if they had an agreement that the authorized would pay for any use. The primary would be a creditor of the authorized in that bankruptcy. The credit card company isn't a part of it...the debt remains with the primary...regardless of any payment or not he gets from the authorized party or their bankrutcy. And alternatively, if the authorized person made charges and the primary goes BK, that charges are part of the primaries BK, (and may be discharged). Again, if there is an agreement that the authorized would pay those charges, that "receivable" or asset to the Primary must be reported as such in his BK filing.
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.htmlRESPONSE 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.