The person(s) whose name is on the account is the only one responsible for repayment of debt. With the exception of married couples that live in a community property state. Some creditors will attempt to collect part of or the entire debt from a spouse, family member or authorized user. Those people are not liable for the debt. A few states have laws which might make someone partially liable if it can be proven the card was used for "life necessities", food, shelter, medicine, etc. Such a charge is disputable and is seldom collectible.
No. Authorized Users are NOT liable for the debt, only the PRIMARY on the account is liable.
The estate of the cardholder. Anyone else named on the card, or the spouse, could be held responsible.
An authorized user, which is all you are - he is the actual card holder - is not responsible for the bill.
The cardholder is responsible for authorized charges made before losing the card
The cardholder is responsible for the authorized charges made before losing the card.
Authorized users are not responsible for repaying cc charges. Unless they are a spouse of the account holder and live in a community property state. I work at a credit card company and an authorized user is just someone who is able to make charges on the account. The primary cardholderand/or the joint cardholder would be the one responsible for the bill. The payment history may be reported to your credit bureau though. That does happen with some companies.
No, only the primary cardholder's credit score is affected.
No, as an authoriezed user on someone else's card, any purchases you make goes on the primary cardholder's statement and his credit bureau file, not the authorized user's file
if you are an authorized user on the card then you are responsible for the card too. so yes they can
No. The secondary cardholder's credit history has nothing to do with the primary cardholder's. The reason for this is even if there are two cards, there is still only one account for both cards which the primary cardholder is responsible. Jags
No, Rhode Island is not a community property state and an authorized user is not responsible for the debt incurred.
It depends. If the additional cardholder is designated ONLY as an authorized user, that is - that person's credit history was not used together with the decedent's credit history for the original credit line - then no, because the credit line is linked only to one social security number. If the additional cardholder applied as a co-applicant (not added as an authorized user) with the decedent for the original credit line - then more than likely, yes. Individual state laws take precedence. Ask for an original copy of the contract from the creditor to be sure.