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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.

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Q: 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?
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