Can delinquent credit card affect other family memeber not on account?
May 9th, 2009 | by admin |
Beulah S asked:
Got approved for credit card, when I did application (not jointly), but by myself, at the end of application it asked if you would like a second card for a family member to use from same account. I put my daughters name down since she was in high school, and sometimes needed money when she was out with friends. Keep in mind this was a single account, not joint. Well I could not keep up with payments, and the collectors call here asking for me and my daughter. I dont even think I had to use her SS# when I used her as the other family member for the second card. I only think I had to use her name. How could they put this on her, How could this affect her credit if it was MY account???? They call and ask for me and my daughter, shouldnt they only be asking for me?????
Clara
Got approved for credit card, when I did application (not jointly), but by myself, at the end of application it asked if you would like a second card for a family member to use from same account. I put my daughters name down since she was in high school, and sometimes needed money when she was out with friends. Keep in mind this was a single account, not joint. Well I could not keep up with payments, and the collectors call here asking for me and my daughter. I dont even think I had to use her SS# when I used her as the other family member for the second card. I only think I had to use her name. How could they put this on her, How could this affect her credit if it was MY account???? They call and ask for me and my daughter, shouldnt they only be asking for me?????
Clara
Tags: Credit Card, Daughters Name, Delinquent Credit, Family Member, Money, Ss
5 Responses to “Can delinquent credit card affect other family memeber not on account?”
By tkahrs12122 on May 11, 2009 | Reply
Florence
Getting her a card was putting her name on the account. Not only have you ruined your credit but hers also. Try dealing with the company and see if you can get her name removed.
By nypdceo on May 14, 2009 | Reply
Terri
no….. only the names on the card
By ejhamilton85 on May 16, 2009 | Reply
Dolores
If you did not put her social in then no it wont.
If she is only an authorized user, it will not affect her credit. She is not legally responsible. You are able to add many people to an account as authorized, meaning they can use the account, but they may not change info, discuss anything personal, and it won’t effect their credit.
Call the creditor and ask if your daughter is on their joint or authorized. You can dispute adding her joint. If they don’t have proof that you wanted her joint on the account, they have to fix it.
When I worked at Macy’s, if you applied single and asked for a joint account later, a letter had to be signed by both parties.
By Bob Smith on May 18, 2009 | Reply
Helen
I work for a financial institution ordering cards for people like you. Your daughter’s credit won’t be affected unless she’s a co-borrower, which it doesn’t sound like she is. When your bank asked if you want another card on the account, they were asking if you wanted an authorized user. Only a borrower and co-borrower’s credit reports are affected. Since your daughter’s an authorized user, her credit won’t be affected.
The collectors are asking for your daughter because they’re trying to collect the debt in any way they can.
By Renee on May 18, 2009 | Reply
Jonathan
Yes by adding her as a holder that puts her liable for any debt. If you dont pay then she is the default user. Even though its not a joint account she is an authorized user. It will show up on her credit as a delinquent account.. Take your daughter off the card.