Is it illegal for a credit card company to permit an authorized user to change the billing address on the account without the card holder’s consent?

Asked on March 21, 2011 under General Practice, Pennsylvania


SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 9 years ago | Contributor

Yes, it is illegal for the authorized user  to do this. An authorized user has the right to place charges, but has no other authority or rights over the account. Only the actual card holder has the right to change a billing address--or do anything else, like request and obtain statements, contest charges, cash in rewards points, add new users (or take an existing one off the account), close the account, etc. To use an analogy: if you work in a large company or government agency with a real IT deparatment, then you know that IT has the ability to make changes to someone's computer access or email that the person him- or herself cannot. The card holder is the IT department, with full "administrative" rights; the authorized user is like an employee who can use a work computer but not change how it's set up.

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