NYMatt Posted January 23, 2008 Report Share Posted January 23, 2008 What is the responsibility of another person on a credit card account that I have if the account defaults and possibly ends up with a CA and/or a judgment ? Link to comment Share on other sites More sharing options...
lovebug5 Posted January 23, 2008 Report Share Posted January 23, 2008 Depends. Are they an authorized user or a joint account holder? Link to comment Share on other sites More sharing options...
NYMatt Posted January 23, 2008 Author Report Share Posted January 23, 2008 Depends. Are they an authorized user or a joint account holder?How do you tell the two apart ? I originally had the card in my name and then was offered the option later on of adding another person , which I did. Link to comment Share on other sites More sharing options...
lovebug5 Posted January 23, 2008 Report Share Posted January 23, 2008 I would assume that you added on an authorized user, as a joint account holder would've had to have been present at the time which the account was opened. If you read through the T&C of your CC, there should be a section regarding authorized users... Link to comment Share on other sites More sharing options...
NYMatt Posted January 23, 2008 Author Report Share Posted January 23, 2008 I would assume that you added on an authorized user, as a joint account holder would've had to have been present at the time which the account was opened. If you read through the T&C of your CC, there should be a section regarding authorized users...I'm assuming an authorized user is not responsible while a JAH is ? This was originally a MBNA cc that went to BOA.If the card had an authorized user in MBNA would this have changed to JAH when it went to BOA ? Link to comment Share on other sites More sharing options...
lovebug5 Posted January 23, 2008 Report Share Posted January 23, 2008 I'm reading through the T&C's for my own cards and if I were to add an authorized user, they would not bear any financial responsibility if the card were to go into default. Link to comment Share on other sites More sharing options...
NASCAR_Devil Posted January 30, 2008 Report Share Posted January 30, 2008 What is the responsibility of another person on a credit card account that I have if the account defaults and possibly ends up with a CA and/or a judgment ?Dispute as "Not Mine" with CRA's. I got 4 deletions from all 3 for AU accounts Link to comment Share on other sites More sharing options...
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