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If someone is an authorized user on a credit card although not liable to the credit card company are they liable to the primary card holder?
The options of the account holder are the same as the creditor. If the person who made the charges is unwilling to pay, a lawsuit (usually in Small Claims) can be filed. When considering legal action remember, unless there is a guaranteed way of collecting a judgment, the plaintiff may be "throwing good money after bad."
Yes. If you made purchases on a someone else's credit card, you are liable.
None of us can change the laws of the universe. We all have to pay what we owe. None of us get something for nothing. Even if the person you owe never collects, you will end up paying in one way or another.
Technically, to "collect" from you, the card holder may have to take you to court and get a judgment against you. Even then, collecting on a judgment is not the easiest thing to do. Nevertheless, you may be losing in some other, less tangible way. But you will end up paying somehow.
This is why it is always advisable to pay what you owe. It is often cheaper, easier and less stressful in the long run to take your lumps and do things the right way in the first place.
What else can I help you with?
How can you add someone to a credit card?
To add someone to a credit card, you typically need to contact the credit card company and request to add an authorized user. The company may require the person's personal information and may issue a separate card for the authorized user. The primary cardholder remains responsible for all charges made on the card.
How can I add someone to my credit card?
To add someone to your credit card, contact your credit card company and request to add an authorized user. You will need to provide the person's personal information and they will receive their own card linked to your account. Be aware that as the primary cardholder, you are responsible for all charges made by the authorized user.
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 you explain what an authorized user is on a credit card?
An authorized user on a credit card is someone who is allowed to use the card but is not responsible for paying the bill. The primary cardholder is responsible for all charges made by the authorized user.
How does an authorized user obtain a credit card?
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.
What is an authorized user on a credit card and how does it impact the primary cardholder's credit score?
An authorized user on a credit card is someone who is allowed to use the card but is not responsible for paying the bill. The primary cardholder's credit score can be impacted by the authorized user's credit behavior, both positively and negatively, depending on how the card is managed.
If you are an authorized user on someone else's major credit card and the account isn't paid does it affect your credit as well?
It negatively affects both the primary and the authorized user credit score and report.
How can you add someone to an existing credit card?
To add someone to an existing credit card, you typically need to contact the credit card company and request to add an authorized user. The company may require the person's personal information and may issue a separate card for the authorized user.
What happens when you add someone to your credit card account?
When you add someone to your credit card account, they become an authorized user and can make purchases using the card. The primary account holder is responsible for paying off any charges made by the authorized user.
What is an authorized user and what privileges do they have?
An authorized user is someone who is given permission to use a credit card account by the primary cardholder. Authorized users can make purchases with the card, but they are not responsible for paying the bill. They do not have the ability to make changes to the account or request account information.
Breaches of security on the net?
Breaches of security on the net means that someone who is not authorized has breached the security of a company. Someone has gained access to files or data by hacking into a system.
How can I add someone to my credit card as an authorized user?
To add someone to your credit card as an authorized user, contact your credit card company and provide the person's information. They will issue a card in their name linked to your account, allowing them to make purchases and build credit history.
