If you inform us that a card or card PIN has been lost or stolen, we will block the credit card account to prevent unauthorized use. Therefore, you are not responsible for transactions on your credit card account that occur after you let us know that a card or card PIN has been lost or stolen because we are contemplating such unauthorized use. From time to time, we may receive reports about you from credit information bureaus for the purpose of credit card management. An authorized credit card user is not responsible for payments made from the credit card. While the actual cardholder normally expects the authorized user to pay the cost of everything they purchase on the card, this is ultimately an agreement between the cardholder and the authorized user.