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Is an authorized user responsible for a deceased person's credit card bills?
Wiki User
∙ 8y ago
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.
Wiki User
∙ 8y ago
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Is a surviving spouse in Pennsylvania responsible for repayment of a credit card debt when his deceased wife was the authorized user on an account that was held by her deceased mother?
No. Only the account holder is responsible for repayment of debt incurred on a credit card. An authorized user is not responsible for repayment, but in this case if the now deceased AU continued to use the account after the death of her mother (the account holder), the AU's estate might be responsible for any charges made under such circumstances. In any event, the surviving spouse is NOT responsible to repay the CC debt.
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
What Massachusetts law describes who is responsible for a deceased persons credit card debt?
The probate code would explain the process for closing an estate.
How much would it raise your credit scores if you were added as an authorized user on a credit card?
If you are an authorized user of another persons credit it has no effect on your credit at all. It will not raise nor lower your score. The credit card company simple issues you a card with your name on it and then holds the person who holds the credit with them responsible for any charges you make.
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 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 a additional cardholder is on a credit card is heshe responsible for deceased persons debt?
It depends. If the additional cardholder is designated ONLY as an authorized user, that is - that person's credit history was not used together with the decedent's credit history for the original credit line - then no, because the credit line is linked only to one social security number. If the additional cardholder applied as a co-applicant (not added as an authorized user) with the decedent for the original credit line - then more than likely, yes. Individual state laws take precedence. Ask for an original copy of the contract from the creditor to be sure.
In NY state are you responsible for credit debt when your father or mother pass away even if you are an authorized user?
No. Authorized users are NOT responsible for credit card debt, regardless of the state of residency.
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.
Who is responsible for a deceased person credit card debt in North Carolina?
The estate is responsible for the decedent's credit card debt.
What if person uses deceased persons credit cards?
The use of a deceased person's credit card would constitute credit card fraud. Unlawful use of a credit card is a criminal offense.
Is it true if you add a person to another persons credit card it can improve the first persons credit rating?
If it does report it will show that you are just an authorized user, most cards don't even report authorized users anymore.
