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Here is an excerpt from Terms, Conditions, and Disclosures on AmericanExpress.com "Additional Cards: I have advised Additional Card applicant(s) that you may obtain, verify, exchange, and use information about them in the same manner as described above, that they may be responsible for payment of their own charges if I fail to pay them, and that their own credit records may be affected by non-payment of the account. I understand that Additional Card(s) will not be issued to me if I have an unsatisfactory account with American Express or if the Additional Card applicant(s) have ever had an unsatisfactory account with American Express."

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Q: What is the additional card holder of American Express responsibility if the bill is not paid?
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