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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.

2006-08-24 14:25:19
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Q: Can you be responsible for the primary user credit card charges even when you were removed from being an authorized user?
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Related Questions

If a person has been added as an authorized user in the past on a credit card and the primary card holder has requested they be removed as an authorized user will the account discontinue being reporte?


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Would an ex-spouse be responsible for credit card debt even though his name was removed from the account and the charges were made after the divorce?

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When will being removed as an authorized user show up on your credit report?

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I was a authorized user on one of my exwifes accounts and did not realize it. I noticed my credit score was going down steadily and was not sure why. Then it made a big plunge so I checked my credit report and fiqured out I was a authorized user on one of her accounts that she had stopped paying on.I called the company and at first they would not take my name off of the account saying it would have to be settled first. I argued with them how could I be responsible for something I don't even see a statement on. It took several calls but I finally reached someone who saw my side of the story. They had trouble deleting my name from the account and had to get a supervisor involded to get me removed. My credit score jumped by more than a 100 points the next month. EDIT: This would have been a good response if the question was "Will my credit be affected if I am added as an authorized user". I think the person answering the original question got the authorized user and account holder in reverse. The answer below is correctly answers the question without confusion. Also...a couple of credit card issuers have policies that hold Authorized Users responsible for their actions and safeguard the Primary Account holders credit file. Credit scores are not affected by the actions of an authorized user. Neither can an AU be held legally responsible for the account regardless of what they may be told by the card issuer. The premise being that an AU has no control over how the account is handled as they do not have access to payment of the account or other issues such as increasing the credit line.

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