Separating Join Liability

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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Separating Join Liability

Postby MrMosby » Sat Feb 16, 2013 9:18 pm

When my wife and I got married I added her to my Chase Freedom card as a joint card holder, which we never carry a balance on, I'm not sure why I didn't just add her as an authorized user. If I wanted to is it possible to take her off as joint card holder and just make her an authorized user?

I don't know if it really makes a difference one way or another.
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Postby Sevenfeet » Sat Feb 16, 2013 9:33 pm

There is a difference...a legal one. A joint user has dual legal responsibility to pay the debt with the other party. An authorized user does not have the same responsibility. My wife and I found this out when we added her as a JU to our BofA Cash Rewards card. What I thought was going to be a trivial thing ended up essentially leading my wife through the full credit application process and then doing a hard pull...on me!

On the other hand, we own two other cards where we are each the authorized user of the other's card. That process was a lot easier. One other difference: as an authorized user of my Amex Platinum card, my wife can login to her Amex account, see the card (hers) and her charges, but she cannot see all of the charges of the account or pay them. Since my wife pays the bills, she has to log into my account into order to handle this. This truly pisses her off and I suspect I might just fix that once I'm through the app spree in case there are any more unwanted hard pulls.
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Postby jriley » Sun Feb 17, 2013 1:11 pm

Sevenfeet, you can add your wife as an "account administrator" or something like that by calling or going into your account options. It doesn't do anything to her credit card, but adds full control online. AmEx doesn't have joint accounts, if I remember correctly.
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