A primary account holder is an individual whose name is listed first on a credit card. The person who is listed first is the main user of the account therefore he or she is responsible for paying all monthly bills and fees for the credit card.
Primary account holders can also add other secondary users to their account when they first sign up for their credit card. Secondary users will also be responsible for paying payment balances if the primary account holder fails to do so.
You can also appoint someone to be an authorized user and this person will be able to use your card freely and make changes to your account but will not have the responsibility to pay monthly payments and fees.
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