I Am Authorized User on a Credit Union Account and Don’t Want to Pay My Credit Card With Them. – Jonie

“Dear Steve,

My wife and I shared a credit union checking account. she was the primary holder of the account and i signed up as an authorized signer. i applied for a credit card asking for a limit of $7,000.00, i signed an application and faxed it over, without my wifes signiture
they approved the loan. when the recession hit i loss my job and was not able to make payments, they have sold the loan to a collection agency and they are not willing to settle with me. can i argue the fact that this loan was not legally suppose to be issued because
it was suppose to be autorized in the first place by the primary account holder? what is the best thing to do ?

Please help thanks!


Dear Jonie,

Hum, a couple of problems.

It appears that even though you were an authorized user on the checking account you were still a credit union member. However I suspect you were a joint account holder of the checking account.

It sounds like you received the benefit of using the card and applied for the card, which was granted. The use of the card fell under the terms associated with the card and they probably say you are the account holder of that card.

Just my opinion but it seems like you owe it.

Please update me on your progress by

You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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