My grandfather made me an authorized user on his credit card. My mother and I have had issues between us. She’s been threatening me for months, saying “Bank of America’s is waiting on her to give them them a call to press charges” I’m not sure how true this is, but I want to know if I should seek legal representation regarding this matter. I believe she’s bluffing, I did nothing wrong, but I’m tired of the wolf tickets being sold.
There is no legitimate reason for you as an adult to be an authorized user on anyone else's credit card. When you do so with an elderly person, UNLESS, you are reimbursing that debt each and every month in full without fail, you run a HIGH risk of finding yourself investigated and possibly prosecuted for financial exploitation of the elderly - especially when other family members push the issue with law enforcement and your own mother testifies against you. The remedy here is simple - remove yourself from the credit card account - pay your grandfather any owed monies on the account immediately, and then get your own credit cards. Be aware that the 'ol "but Pop Pop says he loves me and wants to help me out" story goes right out the credibility window with adult family members - especially when the grandparents are potentially vulnerable to manipulation, incompetent or suffering from dementia, there is no benefit being provided to the elderly person, the family member is leaving the the elder to pay for the purchases and the family member is paying for things that they cannot afford to reimburse.
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I think you have omitted some vital facts here. Is she claiming that you are abusing your grandfather as he is not mentally fit to make decisions on his own? As the previous post states, when you are placed on a cc with an elderly person as what you have done here, you leave yourself is a very bad position, especially when even your own parent is making threats to contact banks and potentially the police.
I agree with prior post, get off the credit card immediately and if you owe any money on the credit card, try to get your own and transfer the balance. Many credit cards offer free balance transfers with no interest for a year, etc. which should give you plenty of time to pay any balance off.
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