I'm trying to follow what your really saying:
Presumably there is a "primary" ...that would be the one who applied for the credit and signed the agreements to pay the charges.
That person requested a card for another person to use, under the primaries credit agreement, and agreed to be responsible for the charges that person made...the credit card company went along with this request...but it was NOT extending any credit, or even had any type of agreement with this other authorized signer.
All charges by that person are the responsibility of the primary...the debt from using the card is not to the second (authorized) person...and any debt (if there is one you can prove), would be by the authorized user to the primary...if they had an agreement that the authorized would pay for any use. The primary would be a creditor of the authorized in that bankruptcy. The credit card company isn't a part of it...the debt remains with the primary...regardless of any payment or not he gets from the authorized party or their bankrutcy.
And alternatively, if the authorized person made charges and the primary goes BK, that charges are part of the primaries BK, (and may be discharged). Again, if there is an agreement that the authorized would pay those charges, that "receivable" or asset to the Primary must be reported as such in his BK filing.
No .
No. Authorized Users are NOT liable for the debt, only the PRIMARY on the account is liable.
evaporation enters
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.
Absolutely not. Most banks don't even allow the authorized user to get basic info from the account, such as balance or recent transactions.
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
Adding an authorized user to a credit card account allows another person to use the card and make purchases on the account. The primary cardholder is responsible for all charges made by the authorized user, and the authorized user's activity can impact the primary cardholder's credit score.
An authorized user can obtain a credit card by being added to someone else's credit card account. The primary cardholder can request an additional card for the authorized user, who can then use the card to make purchases. The authorized user is not responsible for paying the bill, as the primary cardholder is responsible for all charges.
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.
Authorized users on credit cards are individuals who are given permission by the primary cardholder to use the card. They can make purchases and build credit history, but they are not responsible for paying the bill. The primary cardholder remains responsible for all charges made by authorized users.
Adding authorized users to credit cards can help build their credit history and improve their credit score. However, there are risks involved, such as the primary cardholder being responsible for any charges made by the authorized user and potential damage to the primary cardholder's credit if the authorized user misuses the card.
Yes, authorized users typically receive their own card linked to the primary account holder's account.