The only time my ssn was provided was during the time of hire. a credit card was open in my name for expenses but a credit card in my name will affect my credit and if they don't keep up on the payments and the balance raises it will negativity impact my credit score.
Your employer probably opened the credit account on your behalf without telling you for many reasons, some good, others not so good, and none of which excuse his high-handedness. It's a convenience for the company for you to be able to, for example, take clients to lunch, purchase airplane tickets, reserve hotel rooms, etc. without the hassle of estimating the potential cost of your expenses and then providing you with cash to pay for the estimated expenses. Your boss may have believed that by giving you the card he is showing you how much he trusts you, or how important he is. He may also be thinking that having a company card will impress the clients. There may be a provision in the Company's Employee Handbook that all employees at a certain rank will receive a credit card as a "perk." You may not be correct in believing that having a company credit card will have an effect on your personal credit. The financial institution that issued the card would not have done so based upon your personal credit, but on the company's credit. You should read the Employee Handbook and see what it says about company credit cards. You are correct in being concerned, though. You may want to consider talking to someone on your level at the company whom you are friendly with and see what he has to say about the company's credit card policy and whether there have been any issues about it in the past. You may then want to talk to your boss about your concerns - mostly about the fact that the company used your private, personal information (especially your social security number) without getting your permission first. I am also concerned that the company may have gotten the card issued in order that its business expenses are not readily discoverable by the company's accountants or the IRS. I do not know what your job is with the company or whether you have the type of position that makes having a card convenience, or whether it is the type of position that typically in the industry has credit cards. You may want to consider what the standards are for your position and whether it is a benefit typical to others in your position.
It is likely that you are an authorized user on the card, but not the principal debtor. Credit card companies cannot create a credit account without your express permission.
All information provided in this comment is intended for informational purposes only and does not, by itself, create an attorney client relationship. Without the benefit of a personal consultation to explore all of the facts of your legal problem, the information in this posting may be inaccurate and for that reason it should not be relied upon.
On a practical level, which is more important to you, now: keeping your job or keeping your credit rating? This is a more important question for you than whether or not something done is legal. What is your end goal?
That said, if the card is taken out in your name, not a company card, the credit card company needed your authorization, directly.
Confidential information should not be disclosed in this Internet forum. Click on the "More..." link for IMPORTANT INFORMATION about this AVVO Answer. . . . . . . . . . . . . . . . . . . . . . . . . . . . I am an experienced Wisconsin lawyer. The laws in each jurisdiction can be very different. I cannot give legal advice over the internet nor can I establish an attorney client relationship with you. You should NOT assume or otherwise conclude that there is an attorney -client relationship between any reader and this writer or his firm. These comments are only guideposts. They are not subject to any privilege protections. Indeed, these internet communications are neither privileged nor confidential. Accordingly, those using this form of communication need to be guarded in what they write. Because of the nature of these communications the information is general only and should not be relied upon in any specific case. This internet site is public forum, where the communications are not confidential or privileged. There may very well be merit to your defense or position in this type of situation. However, there are hardly sufficient details for an attorney to provide you with some path to follow. It is imperative that ALL of the facts in a particular situation be examined. No conclusion can be drawn from the communication that you have provided. There are some matters that are just better handled by an attorney familiar with the procedures of the courts in your area. Most, if not all, legal matters should not be handled via internet communication. At best, the responders on this site can give you a few hints and guidance. To deal with a legal problem, nothing is better than to consult with a lawyer who will give you some time and advice. If you cannot afford an attorney, there should be agencies in your area that can provide discounted, or even free, legal services. For a definitive answer you should seek legal advice from an attorney who (1) is licensed to practice in the state which has jurisdiction; (2) has experience in the area of law you are asking about, and (3) has been retained as your attorney for representation or consultation. Your question and the attorney’s answer may be used for promotional or educational purposes.
Having a company credit card should not have an effect on your personal credit. The bank that issued the card could not have legally done so based upon your personal credit without your authorization. Legally, they would have had to use the company's credit. You are most likely simply an authorized user on the card, but not the principal debtor. Anything else would be unlawful, but it doesn’t sound likely.
Vullings Law Group, LLC
Years licensed, work experience, educationLegal community recognition
Peer endorsements, associations, awardsLegal thought leadership
Publications, speaking engagementsDiscipline