<prompt> Human: My husband added me as authorized to his credit card. As I understand it, when youre authorized on a card, youre not responsible for the debt, nor is your credit affected. You have to be joint. But alas, its on my credit and affecting it as a co-owner. Why is this?  <response>: In a way you are responsible for the debt, just not legally. You dont want it to go unpaid because it will negatively affect your credit.The line of credit is available for you to use just as much as the actual owner. The card could report negatively to your report if used improperly just as easily as it could report positively. 