As an authorized user on my decreased dad’s credit card, am I personally liabiable for the debt?

I am the executor of his estate. There are no assets left to pay this off. I have been paying credit card minimums out of pocket myself, even though the bills come in his name only.

Asked on April 17, 2017 under Estate Planning, Pennsylvania


M.D., Member, California and New York Bar / FreeAdvice Contributing Attorney

Answered 3 years ago | Contributor

An authorized user has permission to use a credit card but is not responsible for any of the debt. So, if you are only an authorized user on your late father’s account, you are not responsible for the debt in any way. Further, when a credit card holder dies, if there are no assets in their estate with which to pay off such debt, than the creditor will write it off. In other words, there is no need for you to continue to come out of pocket.

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