Can non-spouse second credit card holder be responsible for credit default?
A second credit card holder is *never* responsible for the credit account. The only person responsible for the account is the one who signed the credit agreement — and since card companies only have the primary card holder, *not* the second card holder, sign the agreement the second card holder is completely free of responsibility. So never give a second card on your account to someone you don’t trust completely 🙂 (short note: “signing the credit agreement” these days often takes the form of “activating” the card. By activating the card you are indicating that you agree to the credit agreement. However, even though the second card must also be “activated,” the agreement is still only between the primary card holder and the card issuer, NOT the second card holder.
