Absolutely not. Most banks don't even allow the authorized user to get basic info from the account, such as balance or recent transactions.
Yes
Authorized users are not legally responsible for debt. Contact the crediting bureau and despute the item (explaining the circumstances.) They have to remove it!
No, authorized users are not responsible for an account. Only the actual account holder is responsible for all debt that is incurred.
You can call the lender and close that authorized user account. It no longer affects their credit anyway so there is no damage.
Contact the credit card company. Usually they will close that account completely and move to a new card for the remaining member.
No. Authorized Users are NOT liable for the debt, only the PRIMARY on the account is liable.
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 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
A Primary card holder's credit will not be impacted by adding an authorized user.
Credit card companies are usually responsive ONLY to the primary card holder. They generally will not speak to, or honor requests from authorized users.
Your score will only be affected if the account is past due/derogatory. Otherwise you may see an increase in your score due to debt/income ratio becoming smaller. WHAT!?! to whomever answered this. An authorized user can use the account/card. They can also make payments to the account, but they are not required to make payments. These are the only things they can do. That being said, The Primary account holder is the responsible party. Anything that goes wrong or right with the account gets reported to the Primary's Credit and only the Primary's credit. Removing yourself as an authorized user, regardless of the status of the account, has NO effect on your credit score.
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.
The ex could have been an authorized user on the account or a co-borrower. If you are the primary user and the ex was only an authorized user, you can call and have them removed.
Yes
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.
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.
No .