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If you are an authorized user on a credit card and the primary holder dies are you resonsible for the debt?
An authorized user on a credit card can be responsible on an account in which the primary card holder passes. The creditor looks at the situation as the authorized card holder was able to make purchases with the account, and should be held liable, even in the event of the primary's death.
Are primary card holders credit affected by adding a user?
A Primary card holder's credit will not be impacted by adding an authorized user.
Can an authorized user on a credit card account use the card of the primary card holder?
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.
Can you be responsible for the primary user credit card charges even when you were removed from being an authorized user?
If you were only an authorized user and not a joint account holder, you should never be responsible for the primary account holder's debt.
When asked must credit card companies remove you as an authorized user from an account even without the consent of the primary card-holder?
Credit card companies are usually responsive ONLY to the primary card holder. They generally will not speak to, or honor requests from authorized users.
If the primary cardholder is deceased and the authorized user is no relation and not responsible for debt will this affect the authorized user's credit if it is not paid?
AN authorized user cannot be held responsible for a primary holder's debt in any case. Only a joint holder can be liable for the debt. YES OF COURSE
If you are a authorized user on a credit card and the primary holder is not paying the bill can the authorized user be held responsible?
No. Authorized Users are NOT liable for the debt, only the PRIMARY on the account is liable.
How can an authorized user on a credit card become the primary user?
An authorized user on a credit card can become the primary user by requesting the primary account holder to transfer the account to their name. This usually involves contacting the credit card issuer to discuss the process, which may include a credit check and approval based on the authorized user's creditworthiness. Once approved, the authorized user will assume full responsibility for the account, including payment obligations. The primary account holder may also need to remove themselves from the account during this transition.
How can I add someone to my credit card account?
To add someone to your credit card account, you typically need to contact your credit card company and request to add an authorized user. The authorized user will receive their own card linked to your account, allowing them to make purchases and build credit history. Be aware that as the primary account holder, you are responsible for all charges made by the authorized user.
Can an authorized user of a credit card increase credit limit without knowledge of card holder?
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.
What information do you need to give to the credit card company to add an authorized user?
Usually all you need is the person's name and their relationship to the account holder. Credit Card issuers have different criteria for adding an authorized person or a second card holder.
Will a credit card company remove your name from an account if you and your husband are separating and splitting the credit card debt and he is the primary card holder on both cards?
If you are a joint holder, no. You signed a contract that was legally binding. If you're an authorized user, then you can be removed. In fact, you don't legally even have to pay the debt.
