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Who is responsible if an authorized user of your credit card allows his wife to use it?
Wiki User
∙ 18y ago
The account holder is responsible for all charges made to the account unless such charges were made fraudulently. The account holder does have the option of suing the involved party to recover money owed. Such lawsuits are generally a matter of small claims court, a relatively simple process that must be handled Pro Se.
Wiki User
∙ 18y ago
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In Rhode Island is the wife responsible for her husband's credit card if she is an authorized user of the credit card?
No, Rhode Island is not a community property state and an authorized user is not responsible for the debt incurred.
If you are an authorized user on a credit card and the holder files bankruptcy are you responsible for their balance?
No, authorized users are not responsible for debt incurred on such an account.
Is an authorized signer responsible for credit card debts if the card-holder stops making payments?
No but if something happens to the card-holder, like dieing or being arrested, the authorized signer will be made responsible.
How long after an authorized user can you get your own credit card?
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 on a spouses card as an authorized user of a credit card and not responsible for the debt and not charging and want to be removed will your credit score go down?
i just want an answer
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
In Rhode Island is the wife responsible for her husband's credit card if she is an authorized user of the credit card?
No, Rhode Island is not a community property state and an authorized user is not responsible for the debt incurred.
In Oregon is a wife responsible for her husband's credit card debt if she is not a co-signer or authorized user of the credit card?
No.
If you are an authorized user on a credit card and the holder files bankruptcy are you responsible for their balance?
No, authorized users are not responsible for debt incurred on such an account.
Is an authorized signer responsible for credit card debts if the card-holder stops making payments?
No but if something happens to the card-holder, like dieing or being arrested, the authorized signer will be made responsible.
In NY state are you responsible for credit debt when your father or mother pass away even if you are an authorized user?
No. Authorized users are NOT responsible for credit card debt, regardless of the state of residency.
Is an authorized credit card user responsible for his debt?
Of course, and they can be sued if they don't pay.
How long after an authorized user can you get your own credit card?
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.
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 a relative dies and you were paying their credit card debt for them and you are an authorized user of that card are you then responsible for paying off that card debt balance?
No.
If you are on a spouses card as an authorized user of a credit card and not responsible for the debt and not charging and want to be removed will your credit score go down?
i just want an answer
In Massachusetts is the wife responsible for her husband's credit card if she is an authorized user of the credit card?
Only in community property states, also authorized user is just that, now if you signed as co-applicant than yes.
