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Is a person who is only listed as an authorized user on a credit card but never used it liable for the debt if the primary holder files bankruptcy?
No. An authorized user is not responsible for credit card debt in any situation. Sorry, I failed to mention that the exception is if the "AU" is a spouse and the couple reside in a community property state. What if the authorized user charged on the card? Would he be held responsible for that?
What else can I help you with?
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.
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 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.
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.
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.
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.
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).
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 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.
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
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.
Does the primary Victoria secret account holder and authorized buyer receive separate cards?
Yes, in a Victoria's Secret credit account, the primary account holder and authorized buyers typically receive separate cards. The primary account holder is the main account owner, while authorized buyers are individuals granted permission to use the account. Each card allows the respective user to make purchases using the same credit line associated with the account.
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.
