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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?

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โˆ™ 2005-08-06 19:39:33
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Q: 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?
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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).


If authorized user on credit card claims bankruptcy will it hurt primary card holder's credit?

No, presuming the credit card holder makes all the payments he is supposed to...the user is not liable for the debt on the card, and it is not part of his BK.


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.


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 primary card holders credit affected by adding a user?

A Primary card holder's credit will not be impacted by adding an authorized user.


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.


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.


When asked must credit card companies remove you as an authorized user from an account even without the consent of the primary card-holder?

Credit card companies are usually responsive ONLY to the primary card holder. They generally will not speak to, or honor requests from authorized users.


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


Can an authorized user on a credit card account use the card of the primary card holder?

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.


If you are an additional card holder on a parent's credit card account and you file bankruptcy will the bankruptcy appear on their credit?

The bankruptcy will appear on their credit if you include this card in your bankruptcy. If you leave the card off the bankruptcy, it will not effect their credit.

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