No, because an AU is not legally responsible for repayment of the debt incurred on the account.
If you are an authorized user then it is not your debt but your mother's debt. Your mother's bankruptcy discharged (wiped out) the debt in question. The collection agency is not allowed to collect from you as, again, it is not your debt. This would not be the case if you were a joint debtor with your mother.
Yes. The point of having an authorized user is for that person to be able to use the credit card of the primary card holder. Usually when an authorized user is created, specific limits (amounts, number of transactions, merchant types, etc.) are set up. Sometimes the authorized user is given a card in their own name and that card may even have a different card number so usage may be tracked by the card company and the primary card holder.
The card holder is under no legal obligation for the card holder to continue making payments after filing for bankruptcy, unless the case is dismissed without a discharge. There are some who believe that they can improve their credit rating by pay off debts that were discharged in a bankruptcy, but I believe there are better methods to reestablish credit after bankruptcy.
No, authorized users of credit cards are not responsible for the repayment of debt incurred regardless of the circumstances. The authorized is not responsible to the credit card company, hence a discharge of the card holders obligation does not relieve them. However, if they had an agreement with the card holder to re-pay them, a debt did exist. Of course, best reflected in a written agreement. That receivable (an asset) of the card holder, had to be reported as such when he went BK, and could have gone to his creditors. In either case, unless the card holder has been continually trying to collect, making demands for payment and such, I suspect in almost any jurisdiction it would be well past the time limit to enforce collection now.
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.
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