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.
A Primary card holder's credit will not be impacted by adding 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.
Credit card companies are usually responsive ONLY to the primary card holder. They generally will not speak to, or honor requests from authorized users.
if you are an authorized user on the card then you are responsible for the card too. so yes they can
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
No. Authorized Users are NOT liable for the debt, only the PRIMARY on the account is liable.
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.
Short answer:It depends on the bank. Most likely though, no. Long answer:It depends on the bank and if the person asking the credit limit increase is a primary card holder. Most banks or credit card companies won't allow a secondary card holder to increase the credit limit. I just called and checked. The bank my credit card was associated with was MBNA.I am a secondary card holder (my name is on the card, but the primary responsibility to the account is under someone else's name).They told me the primary card holder needs to call in to modify the credit limit.So in my case, the answer is no. An authorized user of the card cannot increase the credit limit without the knowledge of the primary card holder.
Yes
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).
None, cause credit card companies are getting away from co-signers and joint accounts and having authorized shoppers instead. By having only authorized shoppers the full responsibility of the credit card is the Primary card holder.
Ownership is an issue not covered by credit laws. There may be other statutes that deal with this issue. "Possession is nine tenths of the law" comes to mind. Creditors are only concerned with the money due them. An authorized user does not qualify as a "debtor" under the Fair Credit Reporting Act and therefore never has liability. The primary card holder would have liability regardless of who purchased the items/services and who has "ownership".