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If a credit card holder dies and authorized user is not responsible for the bill can the authorized user's credit be damaged for not paying the bill for which they are not responsible?
Wiki User
∙ 12y ago
It depends on the fine print. If the credit card company determines that you received benefit from the use of the card, you can be held responsible for the charges. If the estate of the deceased has resources the card should have been paid off and terminated upon the death of the holder. Any use use of the card after the death of the cardholder most likely constitutes fraud, especially if the subsequent user did not pay for the card balance. But you'll need to read the terms of the use agreement to verify that.
Wiki User
∙ 12y ago
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If you are an authorized user on a credit card and the holder files bankruptcy are you responsible for their balance?
No, authorized users are not responsible for debt incurred on such an account.
Is an authorized signer responsible for credit card debts if the card-holder stops making payments?
No but if something happens to the card-holder, like dieing or being arrested, the authorized signer will be made responsible.
Can you be responsible for the primary user credit card charges even when you were removed from being an authorized user?
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.
Is an authorized credit card user responsible for credit card debt if the primary card holder declares bankruptcy?
No. The card holder is responsible for all debt on the credit they extended to him. (You may be responsible to the credit card holder for the debt he incurred for you, if that was your agreement).
Can a credit card company report bad credit on an authorized user's credit report after the death of the primary card holder?
if you are an authorized user on the card then you are responsible for the card too. so yes they can
If the primary cardholder is deceased and the authorized user is no relation and not responsible for debt will this affect the authorized user's credit if it is not paid?
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
If you are an authorized user on a credit card and the primary holder dies are you resonsible for the debt?
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.
Are you responsible for the debt if you are a 'card holder' on your deceased father's credit card account?
If you have a card with your name on it usually you are considered a joint account holder and are responsible for the debt incurred on that account. If a consumer is listed as an authorized user (they do not have a card with their name) he or she is not responsible for the debt.
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.
What can be done if an authorized user refuses to pay their portion of the credit card bill?
The account holder is ultimately responsible for all charges on their credit card. There's a possibility that you may be able to sue the authorized user in small claims court, though.
Is a person who is only listed as an authorized user on a credit card but never used it liable for the debt if the primary holder files bankruptcy?
No. An authorized user is not responsible for credit card debt in any situation. Sorry, I failed to mention that the exception is if the "AU" is a spouse and the couple reside in a community property state. What if the authorized user charged on the card? Would he be held responsible for that?
You are an authorized user of a business card account are you liable as an authorized user?
No, authorized users are not responsible for an account. Only the actual account holder is responsible for all debt that is incurred.
