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Ask Dave

Authorized User

Margaret receives good news that if the credit card is not in her name and the user is deceased, she's not liable for the debt.

QUESTION: Margaret asks if a credit card user is deceased, will the collectors come after an authorized user, and is that person responsible for the debt. Dave has some good news for her.

ANSWER: If you are just an authorized user of a credit card and it’s not in your name, you are not liable. Collectors, however, will play dirty trying to get you to pay up. But if your name isn’t on the card, it’s not your debt.