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Not to the credit card issuer. The account holder is totally responsible for debt incurred on a credit card. The exception is married couples residing in community property states, where both spouses are considered have the same rights to property and assets and the same responsiblity for debts.

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โˆ™ 2006-06-13 20:25:13
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Q: Is an authorized user on a credit card liable?
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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.

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.

Are you liable for the amount you signed for or the full balance on a credit card if you are an authorized user only?

If you're only an authorized user on a credit card, you don't directly owe anything as far as the credit company is concerned. However, you can still be sued by the individual who has the card 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.

Can you transfer a spouse's credit balance to credit card?

Yes, you can transfer any balance you want to your credit card. Note if you transfer the balance to your credit card, you are now liable for the full debt and not him unless he is an authorized user on the credit card.

Can a spouse or authorized credit card user be held liable for a primary holder's credit card debt in Maine even if real estate property is held jointly?

YES No if you are an authorized user. However, they can put a lien on your house since it is joint but they can not force you to sell it.

Is an authorized user on a credit card liable for the debt?

No. The only exception would be a married couple residing in a community property state.

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?

How long after an authorized user can you get your own credit card?

Being an authorized user no longer has an impact on your credit score like it used to. In the past, you were able to be added as an authorized user on a credit card, and all of the credit history and credit limit would be reported on your credit report as if it was your credit effectively obtaining unearned credit for the authorized individual. A few years ago the credit reporting industry changed, and no longer recognize an authorized user as credit responsible and therefore it has little to no impact on your credit score. If you would like to obtain credit from this card, contact the card issuer and request to be added as a joint user. If you are jointly responsible for the credit, it will report to the bureaus and impact your score. Approval is still required, but it is typically easier to be approved when you are already and authorized user on a card.

Does the balance on a credit card show on your credit report if you are an authorized user on that card?

In a word, yes.

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.

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

What is an 'authorized user' of credit card?

When you get a card you can request to have another user on your card, they will get there own card, but it will be under your credit card. (Example: my hubby has a credit card and I'm an authorized user, so I have a card with the same acct number.) added note:- When adding an authorized user to your account, you are agreeing to any and all charges that person places on the account. If the authorized user chooses to abuse the account, such as making purchases beyond the amount that you are able to pay or by exceeding the limit of the card, the negative effects goes against the primary users credit. The authorized users credit is not affected at all and they are not responsible for payments. So be careful who you chose to add to your card.

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.

In Rhode Island is the wife responsible for her husband's credit card if she is an authorized user of the credit card?

No, Rhode Island is not a community property state and an authorized user is not responsible for the debt incurred.

If your ex filed for bankruptcy before you divorced and you were an authorized user on his credit card are you liable for the debt?

Only if the married couple lived in a community property state.

If my mother is an authorized user on my credit card and she is currently in the process of foreclosure would her foreclosure as an AU affect your credit?

No, having her listed as an authorized user will have no impact on your credit score.

If you are filing for bankruptcy can you be listed as an authorized user on your son's credit card?

Yes. An authorized user, is a term used by CCC's as a safeguard for possible credit card fraud. It does not make the "user" the debtor, or the responsible party for repayment.

If you have a credit card only in your name will it affect or show on your husbands credit report?

No, only the owner and authorized users of the credit card will be reported on the credit card company to the credit agencies. If your husband is an authorized user on the credit card then it will show up on his credit report.

Can you be liable for someone else's credit card debt if you made their minimum payment every month out of your checking and you weren't a joint card holder?

No. Someone who pays the debt or an authorized user are not liable for the debt. Only someone named as a joint account holder can be held liable.

Is an authorized user responsible for a deceased person's credit card bills?

An authorized user is never legally liable for any debt. Authorized users do not fit the definition of "debtor" under the Fair Credit Reporting Act, nor have they signed a contractual agreement obligating themselves to pay. However, if this authorized user is the beneficiary of the decedants' estate, THAT might make them liable for the unpaid bills. This would depend upon the status of any existing will, and (the applicable) state inheritance laws.

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.

In Massachusetts is the wife responsible for her husband's credit card if she is an authorized user of the credit card?

Only in community property states, also authorized user is just that, now if you signed as co-applicant than yes.

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

Remove your daughter from your credit cards?

Call the credit card companies and tell them that you want her removed as an authorized user from your card.