Adult friend chatting without craditcard
On the other hand, if a friend or relative wants the convenience of a credit card but cannot qualify on his own, authorized user status may be unadvisable.
Joint accounts are the right move when both owners should share financial responsibility for the account.
Rose's client is not alone in his difficulties with sharing a credit card account.In 2007 AFF was one of the 100 most popular sites in the United States Days after the site went live, Conru found that people were posting naked pictures of themselves and seeking partners for adult-oriented activities.As a result, Conru started Adult Friend Finder, which he described as "a release valve".Rose says lawsuits involving authorized users and joint account holders are common.And because the Credit CARD Act prohibits people under 21, or anyone unable to establish the ability to pay, from opening a credit card account without a co-signer, more consumers will rely on authorized user status or joint account status to obtain credit, says Guarav Gupta, director of consumer lending and risk at Novantas, a consulting firm for the financial services industry.And if you’re a friend or relative that’s been asked to cosign on a credit card or any other type of loan, there are a number of very important risks that When you agree to cosign and sign that dotted line, you’re essentially putting your own name, your credit and your own money in harms’ way.If your friend or family member doesn’t pay the bill, you’re responsible and legally liable for any debts they incur on the account.If they friend request a child under 13, it will still require the friend's parent to approve the friendship to keep everyone safe online.Two paths are available to share a credit card account with another person: authorized user or joint account holder."She, in turn, shopped him into the poor house, buying clothes, furniture and jewelry that neither of them can pay off," says William J.Rose II, a Santa Monica attorney who specializes in credit collection cases and is representing the man.