topic Re: Weird AU Situation in Credit Cards

Weird AU Situation

Anonymous — Thu, 04 Dec 2014 22:31:45 GMT

I have a weird situation I wanted to ask about. If I had an AU on a card of mine and that AU charged up my card to the max and then dumped themselves off the account:

1. Am I liable for all the charges on my own?

2. Can the CCC go after them for the money?

3. If the AU had their own account with this CCC, would it affect their "internal" score with them and perhaps cause them to cancel the account of the AU on my card because of their reckless use of my card?

Thanks.

Re: Weird AU Situation

Anonymous — Thu, 04 Dec 2014 22:35:48 GMT

thetestuser wrote:

I have a weird situation I wanted to ask about. If I had an AU on a card of mine and that AU charged up my card to the max and then dumped themselves off the account:

1. Am I liable for all the charges on my own?

2. Can the CCC go after them for the money?

Thanks.

1. Yes

2. No

3. Depends on the issuer I would assume, but I doubt it

Re: Weird AU Situation

Anonymous — Thu, 04 Dec 2014 22:37:15 GMT

@Anonymous wrote:
I have a weird situation I wanted to ask about. If I had an AU on a card of mine and that AU charged up my card to the max and then dumped themselves off the account:

1. Am I liable for all the charges on my own?
2. Can the CCC go after them for the money?
3. If the AU had their own account with this CCC, would it affect their "internal" score with them and perhaps cause them to cancel the account of the AU on my card because of their reckless use of my card?

Thanks.

1. Yup

2. Nope

3. NOt sure I understand your question but if it's what I think you are asking, doubtful

Re: Weird AU Situation

Anonymous — Thu, 04 Dec 2014 23:00:30 GMT

What I'm asking for #3 is, let's say they're an AU on my Chase Freedom card (could be any lender really) and they also have their own Chase Freedom card. If they run my card up and then drop off as an AU, could their Chase Freedom card be cancelled by Chase since they ran up the charges? Is that at all likely?

Re: Weird AU Situation

Anonymous — Thu, 04 Dec 2014 23:05:37 GMT

@Anonymous wrote:
I have a weird situation I wanted to ask about. If I had an AU on a card of mine and that AU charged up my card to the max and then dumped themselves off the account:

1. Am I liable for all the charges on my own?
2. Can the CCC go after them for the money?
3. If the AU had their own account with this CCC, would it affect their "internal" score with them and perhaps cause them to cancel the account of the AU on my card because of their reckless use of my card?

Thanks.

1. Unfortunately
2. No, but you can pay the money and try to go after them yourself in small claims court.

3. Highly unlikely, good luck

Re: Weird AU Situation

Anonymous — Thu, 04 Dec 2014 23:06:45 GMT

Unfortunately, the amount is above small claims court. And they live in another state. Very difficult to do.

Re: Weird AU Situation

Anonymous — Thu, 04 Dec 2014 23:09:31 GMT

@Anonymous wrote:
What I'm asking for #3 is, let's say they're an AU on my Chase Freedom card (could be any lender really) and they also have their own Chase Freedom card. If they run my card up and then drop off as an AU, could their Chase Freedom card be cancelled by Chase since they ran up the charges? Is that at all likely?

In most cases, (except for AMEX and there may be others but not sure) the AU card has the same card number as the primary user. The bank really doesn't care whether the primary or AU ran up the account. On all the accounts I've ever added someone to there's usually a disclosure to read or check off that states the primary cardholder is responsible for payment on the account, the AU just is authorized to make charges on account.

Re: Weird AU Situation

Anonymous — Thu, 04 Dec 2014 23:11:33 GMT

@Anonymous wrote:
Unfortunately, the amount is above small claims court. And they live in another state. Very difficult to do.

If this is the case, it sounds like you have to take this as an unfortunate lesson learned. Hopefully you have the means to resolve this without it impacting your credit.

Re: Weird AU Situation

Anonymous — Thu, 04 Dec 2014 23:14:35 GMT

Unfortunately, I don't. It was a relationship gone bad, and I didn't remove the AU fast enough. Oh well.

Re: Weird AU Situation

Anonymous — Thu, 04 Dec 2014 23:30:14 GMT

@Anonymous wrote:
Unfortunately, I don't. It was a relationship gone bad, and I didn't remove the AU fast enough. Oh well.

That sucks and I'm sorry to hear about it. People do evil things during breakups If I can ask how much did they run up on the Freedom?

Re: Weird AU Situation

ojefferyo — Fri, 05 Dec 2014 00:17:16 GMT

Sorry to hear this OP but like every has said you are ultimately responsible for the debt. An AU is just that, they are authorized to use the account without recourse basically.

Re: Weird AU Situation

Anonymous — Fri, 05 Dec 2014 02:23:44 GMT

@Anonymous wrote:
@Anonymous wrote:
Unfortunately, I don't. It was a relationship gone bad, and I didn't remove the AU fast enough. Oh well.
That sucks and I'm sorry to hear about it. People do evil things during breakups If I can ask how much did they run up on the Freedom?

It wasn't just a Freedom - it was three cards. One for 5K, one for 3K, and one for 2K. All maxed out within days. SMH. NO way I can afford it.

Re: Weird AU Situation

heyarrnold — Fri, 05 Dec 2014 02:55:48 GMT

Yeah, OP, unfortunately you're liable for all of these charges. You'll have to sue this other person to be able to get your money back. In the near future, be extra careful with who you add as an AU to your accounts. For now, talk to your banks and see what payment plan you can work out with them.

Re: Weird AU Situation

Anonymous — Fri, 05 Dec 2014 03:19:12 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Unfortunately, I don't. It was a relationship gone bad, and I didn't remove the AU fast enough. Oh well.
That sucks and I'm sorry to hear about it. People do evil things during breakups If I can ask how much did they run up on the Freedom?
It wasn't just a Freedom - it was three cards. One for 5K, one for 3K, and one for 2K. All maxed out within days. SMH. NO way I can afford it.

Wish I could give you advice that would make it better. As the previous poster stated reach out to the three companies and see what they can do for you.

Re: Weird AU Situation

Kostya1992 — Fri, 05 Dec 2014 04:00:23 GMT

Terrible situation to be in..

Why did you add them to 3 cards??? I could understand 1...

Anyways, can you make at least minimum payments on them until your financial situation improves?

Re: Weird AU Situation

Anonymous — Fri, 05 Dec 2014 04:08:55 GMT

This might be a bad suggestion, but it would keep you from not making payments. Maybe take out a small loan to cover the excess charges, then pay off the loan?

Re: Weird AU Situation

Goblin — Fri, 05 Dec 2014 18:05:22 GMT

Your ex may have made purchases ordered online. Have you looked in to that?

Maybe you still have time to cancel some orders to save a little? Just an idea.

How did they spend $10,000 in a few days? That's ridiculous. Take that person to small claims court for the maximum amount. Here in California its $10,000. What state do you live in?

Did you owe the person money and they figured this is the fastest way to be paid back or was it out of pure spite?

Re: Weird AU Situation

SunriseEarth — Fri, 05 Dec 2014 20:44:42 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Unfortunately, I don't. It was a relationship gone bad, and I didn't remove the AU fast enough. Oh well.
That sucks and I'm sorry to hear about it. People do evil things during breakups If I can ask how much did they run up on the Freedom?
It wasn't just a Freedom - it was three cards. One for 5K, one for 3K, and one for 2K. All maxed out within days. SMH. NO way I can afford it.

What a horrible situation. You should definitely contact an attorney and consider all legal options against the ex. The amounts most likely exceed small claims court caps.