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Authorized User on a Credit Card – Chris

My sister added me as an “authorized user” on her credit card. I used the credit card to purchase a used vehicle and have been paying the monthly payments on her card for the past year or so. Now she has filed bankruptcy. Her bankruptcy attorney told her that even though I am an “authorized user” on the card, I am still liable for those charges and that the credit card company will come after me for the outstanding balance.

I’m not a co-signer on her credit card but rather an “authorized user”. Am I legally responsible for the debt? And how does this affect my credit?


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Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

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