0
Wife owns the credit card and added husband he used the card and not the wife he dies who pays the card?
Wiki User
∙ 15y ago
the wife
Wiki User
∙ 15y ago
salem.i86
Add your answer:
Earn +20 pts
If the husband owns the credit card and adds his wife to the card and he opens another credit account against that credit card does that affect her credit score?
If the husband adds the wife as a "joint" it will show on her credit report but will most likely not be counted against her if she tried to apply for a loan. If the husband adds the wife as an "authorized user" it will not even show on her credit report because she has no legal obligation to pay the credit card bills, but she has the right to use the card.
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.
Can a wife transfer her credit card balance of a card that is only under her name to her husband's new credit card?
yes she can ----------------------------------------- http://www.bestcreditrates.net
Can a wife use her husband's credit card without his permission?
In most cases, no. Per credit card company rules, the person who signed the back of the card is the only person allowed to use it, and if the signature on the back of the card doesn't match the signature on the charge draft, then an ID check is triggered and the retailer has to verify that the person presenting the card is the person named on the card. It has to be that person, not their husband/wife/etc. If the husband/wife is an authorized user on the wife/husband's account, the credit card issuer would issue an additional card for that authorized user.
Can your wife use a credit card with your name on it?
In most cases, no. Per credit card company rules, the person who signed the back of the card is the only person allowed to use it, and if the signature on the back of the card doesn't match the signature on the charge draft, then an ID check is triggered and the retailer has to verify that the person presenting the card is the person named on the card. It has to be that person, not their husband/wife/etc. If the husband/wife is an authorized user on the wife/husband's account, the credit card issuer would issue an additional card for that authorized user.
If a credit card in husbands name only and has late payments does it affect wifes credit?
No, if the wife is not an authorized user on the credit card then it does not affect the wife's credit report. So the late payment will only be on the husband credit report.
Can a spouse use your credit card if their name is not on it?
In most cases, no. Per credit card company rules, the person who signed the back of the card is the only person allowed to use it, and if the signature on the back of the card doesn't match the signature on the charge draft, then an ID check is triggered and the retailer has to verify that the person presenting the card is the person named on the card. It has to be that person, not their husband/wife/etc. If the husband/wife is an authorized user on the wife/husband's account, the credit card issuer would issue an additional card for that authorized user.
Can a husband who is unable to obtain a credit card use his wife's extremely good credit rating obtain a credit card on line without his wife's knowledge?
No, because when the credit card company access the credit bureau, they access the name who applies for the credit card, not the spouse's name. It's the primary cardholder who is fully responsible for the debit. If the wife gives her husband an authorized user card from her credit cards and the husband doesn't pay. The wife's credit card will be destroyed if she doesn't pay the debit (even the charges he makes) So make sure you both keep your credit cards separate so that you both maintain your own good credit histories. Especially (heaven forbid) you both separate/divorce
If you add your wife who has a discharged bankruptcy 4 yrs ago to your credit card can hurt the husband's stellar credit score?
Yes. But not as much as if the husband did the bankruptcy.
How will the credit card debt be divided between the husband and wife during a divorce when the debt is only in the wife's name?
It is up to the judge to determine who is responsible for repaying the debt owed on that credit card account. Unfortunately for the cardholder, if the husband is required by the court to repay the card, the wife is still responsible for ensuring that those payments are made. If he misses payments, then her credit score will suffer.
Is a wife responsible for the credit card debt of her husband made before they got married in New Jersey?
No
Can your husband use your credit card?
Not unless he is on the account and it is part of the agreement with the bank, and even in that case, the bank would issue an additional card for him and any other authorized users. Per credit card company rules, the person who signed the back of the card is the only person allowed to use it, and if the signature on the back of the card doesn't match the signature on the charge draft, then an ID check is triggered and the retailer has to verify that the person presenting the card is the person named on the card. It has to be that person, not their husband/wife/etc. If the husband/wife is an authorized user on the wife/husband's account, the credit card issuer would issue an additional card for that authorized user.
