Squid7085 wrote:When you are added as an authorized user, you are given another card, and number, and as a result create a new piece of credit. Despite the original card being opened for a time, the new card doesn't take on that, as you didn't have the responsibility prior. I have been an authorized user on two of my moms cards, she likes me carrying around one for her, and every time the addition of that card was effectively like me opening my own card. I can't imagine it would be any different with other cards.
I am referring to the U.S. only, I don't know about other countries. Normally authorized users are not responsible for debts made with card, including what the authorized users purchases. Wife/husband may be responsible if you live in a community property state.
According to what I read on another forum. American Express treats the authorized users similar to a joint user. You have to sign the application or a form.
Card holder charges $200
Authorized User charges $100
If the Card holder didn't pay the bill American Express would come after both the Card holder & the authorized user. American Express would only bill the authorized user $100 plus any fees.