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Wrong, wrong, wrong..and they know it. This is a "scare" tactic that some less than ethical companies will try. It is also illegal. Authorized users ARE NOT!!!! responsible for paying debt incurred. (Joint account holders of course are a different matter entirely.) Send them a certified letter letting them know that as an informed consumer you know your rights. And one of those rights is to consider litigation of your own. Infliction of emotional distress is a good place to start. You lost your mother, and now they are counting on your loss to get their money..low, low, low. Do not let them bully you, "shove back"... hard!

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10y ago

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Are you liable for the amount you signed for or the full balance on a credit card if you are an authorized user only?

If you're only an authorized user on a credit card, you don't directly owe anything as far as the credit company is concerned. However, you can still be sued by the individual who has the card account.


If your previous balance was 100 and your credit card company asked that you pay 5 percent of your balance how much would you need to pay?

5.00


Does the balance on a credit card show on your credit report if you are an authorized user on that card?

In a word, yes.


If your balance was 100 dollars and your credit card company asked that you pay 5 percent of your balance how much would you need to pay?

Five percent of one hundred dollars is five dollars.


Can you transfer a spouse's credit balance to credit card?

Yes, you can transfer any balance you want to your credit card. Note if you transfer the balance to your credit card, you are now liable for the full debt and not him unless he is an authorized user on the credit card.


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.


Can a credit card company charge a three percent fee up to one hundred dollars for closing an account with a balance?

Yes.


Which credit cards offer zero percent on balance transfers?

Zero percent balance transfer offers change frequently, so it is best to check with the credit card company before applying. Some cards that offer zero percent balance transfers are the Citi Simplicity Card, Bank Americard Visa, and the Capital One Premium Prestige Card.


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


How do I transfer the balance on my credit cards?

You will have to talk to you credit card company. They will be able to assist you in transferring your balance on your credit cards.


Where can one apply for a zero percent balance transfer credit card?

One can apply for a zero percent balance transfer credit card on websites like Money Supermarket, Balance Transfer Credit Cards, Moneyning or Wise Bread.


If you have a credit card only in your name will it affect or show on your husbands credit report?

No, only the owner and authorized users of the credit card will be reported on the credit card company to the credit agencies. If your husband is an authorized user on the credit card then it will show up on his credit report.