Are authorized users responsible for credit card debt?

Are authorized users responsible for credit card debt?

To make you an authorized user, the primary account holder simply adds your name to their credit card account, giving you authorization to use it. As an authorized user, you’re not legally responsible to pay the credit card bill or any debts that build up. This is still the primary account holder’s responsibility.4 days ago

Who pays credit card debt in a divorce?

filing for divorce online

When you get a divorce, you are still responsible for any debt in your name. That means that if you and your spouse had a joint credit card, you are just as liable for that debt as your spouse. But the details of how that debt is handled can vary a bit depending on the state you live in.

Can I sue my ex for credit card debt?

If you don’t pay the debt, the creditor can sue you and even try to collect on your share of jointly owned assets. In common law states, which account for most of the country, courts will likely hold you responsible for credit card debt in your name and jointly liable for credit card debt in both names.

Who is responsible for debt in a divorce?

A court will generally take the position that debts accrued during the relationship, either jointly or individually, were for the mutual benefit of both parties with mutual knowledge or consent of the other party and therefore responsibility is shared by both parties.

Can a spouse ruin your credit?

Getting married and changing your name won’t affect your credit reports, credit history or credit scores. One spouse’s poor credit won’t impact the other spouse — unless you jointly apply for a loan or open a joint account. Married couples do not have to apply for credit together.