If you are a joint account holder you can still use the card. The creditor should be notified of the death of the other account holder. They may simply remove the person from the account or require you to open a new account in your name. However, if you are the joint holder you are responsible for the entire amount owed on the account.
Credit card companies are usually responsive ONLY to the primary card holder. They generally will not speak to, or honor requests from authorized users.
ia an additional credit card holder liable for the whole debt of the credit card account
No. The issuer should be notified of the death of the account holder and if applicable the debt should be included in probate procedure. no
Depends on what "Type" of Credit Holder you are. Here is how that will go: If you are what is known as an authorized user on the account. (i.e. - The Primary account holder has given you permission to make charges on the account), the answer is No. The primary account holder is responsible for any charges he/she has allowed you to make on the account. If you are a Secondary account holder (i.e. -your name was put on the account APPLICATION at the time the card was applied for), then your answer is YES. If the Primary account holder defaults on the account, then the credit card company will turn to try and collect from the Secondary account holder. BEWARE of becoming a secondary holder on anything that has to do with credit. If you know that the Primary holder may default, you could get stuck with a huge amount of debt on your hands, and if you can't pay, your nice credit score of 783 could very quickly go down the drain to 535 or lower.
Absolutely not, unless you're an authorized user or joint account holder. That would be credit card fruad, a felony. If you are on the account, you still need to let the credit card companies know of the death, as it may change the status of the account.
Account holder deceased
Name of account holder refers to the name of the person who owns the account. This can be for bank accounts, credit accounts, loans or utility services.
yes
No you must close the account.
The only way they are notified is by the beneficiary filing a claim with a certified death certificate and claim forms. They have no secret power to know if someone dies.
Illinois is not a community property state, therefore a spouse who is not a joint account holder is not responsible for the credit card debt of the other spouse.