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Can a secondary card holder on a credit card account, sue the card company to assume the entire debt?
My mom is the primary card holder on a credit card account. I am an additional card holder. Can I sue the issuing card company to assume the entire debt, since the majority of it is mine?
There is no way for you to sue the credit card company to assume the debt. The contract you have with them would make both you and your mom financially liable for the account, assuming that you are joint card holders. If you are only an authorized user then you may have a credit card with your name on it, but your mother is solely responsible for paying back the debt. Either way, you can open another credit card account solely in your name and then transfer the balance to it. This would leave you solely responsible for the debt. Since you are transferring the debt to a new card, look for one with a low intro rate on balance transfers (preferably 0% APR for 12 months) and no balance transfer fee.
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Mini Tutorial - Multiple credit card holders in bi-fold and tri-fold wallets
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