can non-spouse second credit card holder be responsible for credit default?

Answer 1

A second credit card holder is *never* responsible for the credit account. The only person responsible for the account is the one who signed the credit agreement -- and since card companies only have the primary card holder, *not* the second card holder, sign the agreement the second card holder is completely free of responsibility. So never give a second card on your account to someone you don't trust completely :)

(short note: "signing the credit agreement" these days often takes the form of "activating" the card. By activating the card you are indicating that you agree to the credit agreement. However, even though the second card must also be "activated," the agreement is still only between the primary card holder and the card issuer, NOT the second card holder.)

Answer 2

I am responsible for the debt on my card, even though my live-in girlfriend is the primary card holder. I was informed of this when I called to activate the card. Also it reports on my credit report with the credit bureaus. We wanted to combine our credit charges because we get airline miles. My dad is responsible for the debt on his corporate credit card.

Answer 3

in the adventure that your call isn't on the account, the adverse credit status will only take place on your husband's credit checklist. yet till you are the standard breadwinner, earning extra effective than your husband and in a delicate, sturdy job, you the two are going to be afflicted by any default. Treating funds one after the different in a marriage is undesirable information. it particularly is to no longer say you will desire to bail him out if he's undesirable with funds, only that this is the "extra useful or worse" section. confirm a fashion for him to make funds on those bills, then get that card cancelled.

Answer 4

It depends:
Are they an "authorized user" or a "joint card holder"?

Authorized user is not responsible for the credit default. A joint card holder is responsible.

Answer 5

In my opinion if the credit card has your name on it, you are just as responsible as the person, who let you use his or her credit.

Answer 6

Even if their name is not listed, the fact that you gave them possession makes you the only one responsible, unless that is, they stole it. If you live together you are probably out of luck anyway.

Answer 7

No.

Answer 8

maybe