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If someone is an authorized user on a credit card although not liable to the credit card company are they liable to the primary card holder?
Wiki User
∙ 8y ago
The options of the account holder are the same as the creditor. If the person who made the charges is unwilling to pay, a lawsuit (usually in Small Claims) can be filed. When considering legal action remember, unless there is a guaranteed way of collecting a judgment, the plaintiff may be "throwing good money after bad."
Yes. If you made purchases on a someone else's credit card, you are liable.
None of us can change the laws of the universe. We all have to pay what we owe. None of us get something for nothing. Even if the person you owe never collects, you will end up paying in one way or another.
Technically, to "collect" from you, the card holder may have to take you to court and get a judgment against you. Even then, collecting on a judgment is not the easiest thing to do. Nevertheless, you may be losing in some other, less tangible way. But you will end up paying somehow.
This is why it is always advisable to pay what you owe. It is often cheaper, easier and less stressful in the long run to take your lumps and do things the right way in the first place.
Wiki User
∙ 8y ago
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If you are an authorized user on someone else's major credit card and the account isn't paid does it affect your credit as well?
It negatively affects both the primary and the authorized user credit score and report.
Breaches of security on the net?
Breaches of security on the net means that someone who is not authorized has breached the security of a company. Someone has gained access to files or data by hacking into a system.
Can removing yourself as an authorized user from a credit card account hurt your credit?
No, as an authoriezed user on someone else's card, any purchases you make goes on the primary cardholder's statement and his credit bureau file, not the authorized user's file
Is an authorized user responsible for payments on Bank of America credit card even though they never used the card or had that card activated?
Authorized users are not responsible for repaying cc charges. Unless they are a spouse of the account holder and live in a community property state. I work at a credit card company and an authorized user is just someone who is able to make charges on the account. The primary cardholderand/or the joint cardholder would be the one responsible for the bill. The payment history may be reported to your credit bureau though. That does happen with some companies.
Can you get any job in Canada if you are not authorized to work in Canada?
It is illegal to hire someone who is not authorized to work in Canada.
If you are an authorized user on a credit card and the primary cardholder dies and you use the card after they die are you responsible for the entire debt?
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.
What are the best books on television repair?
Here are some: http://www.repairhelper.com/tv_vcr_repair_books.htm. Be aware, however, that today's TVs often contain proprietary parts that make it difficult for someone not authorized by the company to repair them.
What is primary about a primary source?
A primary source is when someone founds a real ancient thing that someone wrote or draw a long time ago
What is a check signed by someone without the authority to do so?
A check signed by someone who is not authorized to sign it is a forged check.
What is an authorised officer?
An authorized officer might be a member of law enforcement. An authorized officer is also a court worker, like an attorney or a judge. An authorized officer can also be someone who is placed in charge of distribution of assets according to a will.
What circumstances can someone who is incompetent participate in research as a human subject?
Someone who is legally authorized gives consent on the subject's behalf
Can you rent a movie from blockbuster without a blockbuster card?
You need a blockbuster account to rent, or you need to be authorized on someone else's account. If you already have an account or are authorized on someone else's account, you can show photo I.D. if you don't have the card.
