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Personal Finances / Credit Cards and Consumer Debt


Subject:  Re: I have a collection!!! Date:  10/6/2003  9:45 PM
Author:  sockwonder Number:  171162 of 309666

Uh... Ok. Didn't seem to make much difference to me. If she made a purchase from a merchant and she used an account that also had my name on it, exactly how does that enter me into the contract between her and the merchant?

I'm having trouble believing that you don't know how authorized users work, especially since they've been covered extensively here on this board, but... Easy. If an authorized user makes a purchase with your credit card, you are responsible for paying for that purchase. The same goes for joint cardholders - even more so. Plain and simple. I have never heard of an exception to this rule. There IS no contract between her and the merchant. You're having a mental block. It has absolutely, positively NOTHING to do with who actually makes the purchase