If you are a joint account holder you can still use the card. The creditor should be notified of the death of the other account holder. They may simply remove the person from the account or require you to open a new account in your name. However, if you are the joint holder you are responsible for the entire amount owed on the account.
Get StartedThe Request to Cancel Credit Card is used to request the cancellation of a credit card. It may be a cancellation request for your credit card or you may be making the request on behalf of someone else, for example, on behalf of a card holder who has died.
No, it could be considered fraud. In most cases the credit card company will close the account as soon as they discover the death. They often check the SSN register against recent deaths. It isn't a good idea.
Certainly, if a credit card had two authorized users but one of them has died, then there is still one authorized user. The account is still open.
Were these Charges MADE after the Death of the Card Holder? - if Not - then the answer is NO -- NO -- NO ....Why then do most trustors pay off? Its a step in "wrapping Up" someones affairs - the paying off of Credit Cards and other debts - The "good old soul.. his word was his bond would have wanted it that way! Lets get it clear - Credit Card charges made by a decedent - ARE not subject to repayment if that person cannot by the fact of their death - pay that bill in person by check or moneyorder. The estate has no obligation to pay off credit card charges, only the living person who made those purchases & charges is responsible.Think of it this way - if your relative shot somebody, and then died - would you have to go prison for them? That's not logical! Inheritors of estates large & small are entitled to suffer their loss without private or public harrassment from bill collectors!
"American Express has not died down in the credit card market. They have become more flexible in their credir card offers, especially repayment schedules during our current recession."
I believe only if you signed on the dotted line, most times the owner of the card has it in their name, and they send out those things to add someone to use your account, i believe if the bill is in your fathers name, you are not liable. If someone dies i don't believe any family member has to pay it, unless they signed something, just tell the credit card people they died, don't let them scare you into paying it!!!!!!!!
I would consult an attorney if I were you.
AnswerNo, you need to send a copy of the death certificate to the credit card company. You are not responsible for your father's debt.
I live in California, and my grandmother passed away and I contacted the credit card companies, told them she died, sent a death certificate, and they took care of the debt.
Send a letter to the credit card company. Include all the pertinent information about account numbers and addresses. A copy of your letter of authorization from the court should also be included. The credit card company will then file a claim against the estate for any balance owed.
Would i have to pay for my spouse's credit bills in the state of Michigan if he died
Unless you have some stake in the company, you have no liability on any credit card transactions. Unless you continued to use the card after the owner's death. That COULD be a criminal act.