Legal Question in Credit and Debt Law in Massachusetts

Re: Authorized User of credit

Chances are the agreement with the account owner/cardholder provides that s/he is responsible for any authorized-user purchases. If you as an authorized user have charged items to the account, the chances are you quickly signed whatever the salesperson/website put before you without reading it. If you had taken the time to read the fine print, you would have seen something to the effect that you agree to be held responsible for repaying that extension of credit. If the cardholder/account owner cannot or does not pay, you may well find yourself being asked to pay at least what you charged.

Some original agreements provide that the authorized user agrees to pay the full amount due on the whole account. Even if you do not sign anything when you get the card or make the first charge to the account as an authorized user, often the first use by you of the account is deemed acceptance of the obligation to pay the full account.

That's why I said I would have to read the original card contract.