SPIFIMAN1
|
Again some of these people do not know what they are talking about. As an authorized user you have no responsibility for any debts on a credit card, only the person that signed the contract is responsible. |
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Jason S
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An authorized user would NOT be responsible. Only if you were a cosginer on the account. |
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candy
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The holder if the credit card is ultimately responsible for all debt incurred under the card agreement. However, that person can take you to court to recover for charges that you put on the card. When the cardholder set up your authorized card, the only person's credit that was considered was theirs. So you get to use the card based on their credit. You are in no way going to change your credit score (good or bad) by using the card or paying/not paying this bill.
So basically the credit card company isn't going to go after you, but the cardholder has every right to sue you for the damages if they want to. |
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?
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I would say the actual account holder is responsible. |
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mgd6624
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If you are married to the person that owns the card, yes... If not, no and you should have them remove you name from the account. It will show up on your credit reports also. I have the same problem now that I am divorced. My wifes cards show up and I have to get them off my report |
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Francesca Thomas
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Usually the name on the card is legally liable for any debt incured on the card. But the owner can ask or demand that any authorized user pay back what they did use. The legal user can also remove any other users from the card if they choose to.
If the card is stolen, then the bank will demand the name on the card to pay, unless the user reports that the card was stolen. |
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DaMan
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Here is a new thought.
If you are not cool with paying any credit card bills, then DON'T let anyone add you as an authorizer user on a credit card.
Sounds to me like you want the status and privileges of a credit card with none of the responsibility.
That is the stuff that dreams are made of. |
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heybulldog
 |
Authorized users are not legally responsible. Married or not.
On the moral standpoint you may wanna pay the money back. |
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jamsterette@sbcglobal.net
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If you are an authorized user I would think if you charged anything then you should pay, but if it is not your charge, then no. If your signature isn't on the credit application, then you wouldn't be responsible |
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mt08
 |
Oh yes, Being an authorized user is about the same as being a co-signer. If the debt is not huge though and you were fully aware of the charges being made you may catch a small break. Your best bet is to contact the credit card company and try to work something out. If you choose to do nothing they will come after you for payment. Sometimes they will work with you and sometimes they won't. If the charges are very high i would recommend getting a laywer. |
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spiritwise333
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Absolutely. Read your Credit card Agreement. |
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Sabine5
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yes...absolutely.....and they will collect. |
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Elana
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Theoretically, the holder of the debt is the
one (ones) who signed for the credit cards
to begin with.
However, if they authorized you to have the
credit card and then disappear, yes, the
credit card companies will come after you
and yes, the courts will probably attach
your assets. |
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Shelly t
 |
yes if you are authorized they can hold you responsible |
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