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Michelle S asked in Business & FinanceCredit · 1 decade ago

Are authorized user liable for A credit card holders debt?

Im filing bankruptcy. I have an American Express card, which I heard is the most difficult company to work with. I have two authorized user I removed almost a year ago. One of them does not even know they were a user, I never gave them the card. The other has never used the card I gave her. Are they some how liable? I saw one website that said no, and one that said yes.

They never provided any credit information, ssn, or signed the application.

5 Answers

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  • 1 decade ago
    Favorite Answer

    If they are just an authorized user on the account then no because there not actually on the account. If they were a joint user then yes. Also you don't have to sign an application for a credit card, many people think this but it's just not true.

  • ?
    Lv 4
    5 years ago

    First, an "authorized person" isn't in any thank you to blame for the account, inspite of who made the charges. this is a large number and particular not nicely well worth the fee of chasing the money. it truly is complicated adequate to require an criminal professional, who will assume to be paid. except you're speaking over 10,000, you're possibly better off strolling away with the information. you are able to bypass returned to the unique court docket and declare that the corporate made fake statements in naming you as an account holder, however the court docket might say that the time for making such objections has handed.

  • ?
    Lv 7
    1 decade ago

    Authorized users are not responsible for payment of credit card debt.

    Source(s): Finance Manager for over 9-years / 2009 edition Consumer Action Handbook.
  • rhonda
    Lv 6
    1 decade ago

    no they are not liable for your debt, they were only allowed to use your card, which they never did.

  • 1 decade ago

    NO!

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