<prompt> Human: When my ex and I were together, she listed me as an authorized user on one of her credit cards. Apparently she never took me off the card when we broke up, and she racked up about 20k in debt that she has apparently stopped paying. The bank is now coming after me for payment and is threatening to send it to collections. Do I have any recourse here, or am I on the hook for this money?As an authorized user, will this affect my credit?  <response>: As an authorized user, will this affect my credit?Pull your credit report. See if this card is listed on there.If it is, yes, its affecting your credit.If it isnt, no, its not affecting your credit. 