Chargers
Chargers
The purpose of credit card protection is to protect the user of a credit card. If one's card is stolen and questionable purchases are made, an automated system will cancel the credit card and alert the user.
if you are an authorized user on the card then you are responsible for the card too. so yes they can
A Primary card holder's credit will not be impacted by adding an authorized user.
In a word, yes.
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).
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.
No, as an authoriezed user on someone else's card, any purchases you make goes on the primary cardholder's statement and his credit bureau file, not the authorized user's file
No.
The credit card debt laws are agreements and terms in which the user of the credit card is bound by a legal contract with their bank. This contract is usually signed by the user when applying for the credit card. Depending on which bank, different agreements and contracts can vary. If the user breaches any agreements, the bank may have the rights to bring legal charges against the user. Some examples of a credit card law may include, to pay for the installment fee on the credit card. If one fails to do so, the bank will file a lawsuit.
It will not affect your credit at all. Their credit information was used to secure the card. You are in the clear.
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.
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