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There are a few factors that determine who is responsible. First of all, the names on the cards/accounts, if both spouses are named on the account,more than likely they can be each be held responsible. If they reside in a community property state, almost all debt is considered joint, though only one of them was the account holder. There are a few other states, that have laws pertaining to how the card was used. They are sometimes referred to as "family necessity statutes", food (not dining out) clothing, medical care, etc. This means a spouse might have to repay some of the debt. These laws seldom hold up when challenged, as they are often difficult to substantiate.

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Q: Is the primary card holder responsible for credit card debt?
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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 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.


Does a second credit card holder receive a credit card?

Yes, a second credit card holder has his/her credit card also but of course, they are just under the primary card holder.


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


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.


Can a secondary card holder remove himself from an account leaving only the primary card holder's name?

Usually, a new card is issued in the primary card holder's name. Usually both parties on a credit card have to sign off to eliminate the secondary card holder. Your credit card holder can help you with this.


What does it mean to co-sign for a credit card?

That means you agree to be completely responsible for paying the balance of the account if the primary card holder defaults on the payments. You may not know if the primary card holder is not paying the monthly bill and your credit record will be affected if the payments are late.You should be very careful about co-signing for a credit card and make absolutely sure you understand your liability if the charges are not paid.


What is difference between primary and secondary card holder?

The major difference is that the Primary Account holder is responsible for all the amounts due on both the Primary Card and the Secondary Card.


Can a secondary card holder's credit rating hurt the primary card holders credit?

No. The secondary cardholder's credit history has nothing to do with the primary cardholder's. The reason for this is even if there are two cards, there is still only one account for both cards which the primary cardholder is responsible. Jags


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 the primary card holder gives a friend a secondary card to use is the secondary user responsible for the dept or is the primary card holder solely responsible?

It depends if the secondary card holder is a "Joint Account Member" or a "Authorized User". The joint account member is responsible for the balance, the authorized user is not.


Can an authorized user of a credit card increase credit limit without knowledge of 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.