Q: Never signed anthing authorizing me as user on credit card. can i be held liable in new york state
A: Generally, using another person's credit card will make that other person liable for the debts you incur, not you. The only way you become liable is if you signed off as a responsible party for the debt. Typically, if someone makes you an authorized user, then that's all you are: a user of another person's credit account with no liability on the debt, even if the credit card companies try to make you think otherwise.
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