First, make sure it's not the restaurant's policy to add a gratuity for a certain party size or cost of meal. Then, immediately dispute the charge with your credit card company so you can have it removed. Then you can either call and complain to the restaurant manager or file a police report in the jurisdiction of the restaurant's location. The crime could be considered a petit theft or a felony credit card theft charge.
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.
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.
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.
if you are an authorized user on the card then you are responsible for the card too. so yes they can
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.
The owner and/or joint owner are solely responsible for the credit card. This includes everything from making payments, dealing with fraud, being reported to the credit bureaus, etc. If an authorized user abuses his/her credit spending, the responsibility still lies in the hands of the owner of the credit card.
In a word, yes.
Yes, but only if the credit card owner has officially authorized the minor to use it.
It depends on if they were added on as an authorized user or as a cosigner. If you just give permission for someone to use the card, then it will not appear on their credit report. However, if they sign on the card and agree to take responsibility for repayment, then it should appear on their credit report. If you sign for the card, they should ask for a social security number. My guess in your situation is that they were just added on as an authorized user.
None, cause credit card companies are getting away from co-signers and joint accounts and having authorized shoppers instead. By having only authorized shoppers the full responsibility of the credit card is the Primary card holder.
Somebody had to SIGN that authorization check at the bank for the signature
It will not affect your credit at all. Their credit information was used to secure the card. You are in the clear.
No, Rhode Island is not a community property state and an authorized user is not responsible for the debt incurred.
Call the credit card companies and tell them that you want her removed as an authorized user from your card.
Only if you have authorized them to do so.
As far as I know these credit card companies will allow authorized users to be added. 1. CitiBank 2. Barclays 3. CapitalOne (some cards) 4. Bank of America (some cards) 5. USAA There may be more but these are the ones I know about.
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.
No, having her listed as an authorized user will have no impact on your credit score.
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.
Having an authorized user card does not help the authorized user's credit bureau score. ie) if I had good credit and I gave someone an authorized user card, that person's purchases would be on my statement and I would be responsible for the other person's purchases. If I don't pay for the other person's purchases, it would reflect on my credit bureau negatively as not paying on time and be charged interest.
A Primary card holder's credit will not be impacted by adding an authorized user.
that's what u get for using a super cool xbox
I seriously doubt it ! A credit check on your name would flag up that you're in the throes of bankruptcy - and thus are a very high risk !