My husband's credit card should not be linked to my bank account

@suspenseful (40316)
Canada
July 16, 2008 7:03pm CST
We have a bank credit card but my husband is the prime user. I had the extra one under my name but never used it. When I decided to open a checking account as well as a savings account in the bank, I found that my credit card number was listed even though I had not authorized it to be used. My husband uses his credit card, but mine has not been touched. So why would my credit card number be listed on my online bank page when I never use it or have not called the credit card company for its authorization? In fact when it came in the mail, my husband who thinks I do not know how to manage credit (I do quite well thank you.) cut it up and did not tell me about it. So if my husband drops dead, would I be responsible even though I have not used the card?
6 people like this
13 responses
• United States
17 Jul 08
When you are married to someone, you are responsible anyway.
2 people like this
• United States
17 Jul 08
If you live in America, that's the law.
2 people like this
@suspenseful (40316)
• Canada
17 Jul 08
It is also the same in Canada. It used to be that we had the same credit card number, but then they sent me one with a different number. I have that on my online bank statement, but the money goes to the main credit card holder's account. I know because I asked if I charge something whether they would send me a separate bill and they said no.
@mipen2006 (5528)
• Australia
17 Jul 08
Many years ago, when I seperated from my first wife, she had an auxiliary card and was running up debts on my credit card. The bank wouldn't accept written notification that I was not responsible for the debts. They said I had to get the card back from her and destroy it. This sitaution is a little different to yours, but, if I were you I'd go to the bank for clarification. Be sure you get something in writing that states you're not responsible for any dabts related to that card.
@suspenseful (40316)
• Canada
17 Jul 08
I would never run debts on the auxiliary card. I would regard it the same way as a joint account, that it is for the family. And I never even used any money from our joint bank account even though my husband said if you wanted something like a dress or shoes, he would not mind if I wrote a check. I figured that money was for gas, paying bills, and I had better use my own money.
2 people like this
@mipen2006 (5528)
• Australia
17 Jul 08
You have very high morals which is admirable. Unfortunately my x didn't have the same high standards.
1 person likes this
@suspenseful (40316)
• Canada
17 Jul 08
It is also that my husband comes from "do you really need that" type of family. The men can buy what they like, but us women have to justify what we need. So having my own money avoids the hassle. I did say could I buy anything and he said it is all right, but that was after I got my Old Age Security, but I am not going to buy just anything. I will still be careful.
• United States
17 Jul 08
It depends on how the application for the cards were filled out. If it was opened in both your names as co-applicants then you are equally responsible for the debt, and if your husband did die, you would still be responsible. If your husband opened the account in his name only and put you down as an "authorized user," then it is only he that is ultimately responsible for the debt, even if you ran it up on your card. This would be in your favor if you ever divorced, however, if your husband was to die in this case, and you were still married, you still might be held responsible for the debt as it would be paid out of his estate and the account was opened while you were married. This is pretty much true of any debt run up by eaither of you once you are married. I'm no expert of course, and laws differ depending on where you live, but this is how I understand things to work.
2 people like this
@suspenseful (40316)
• Canada
17 Jul 08
That really sucks. It makes it hard for me to put the money that I have in the Bank of Montreal savings account that has low interest in a high interest account. Do you know the high interest only comes in effect when we have $60,000? I just hope that he does not run up a high credit card bill when he is fixing up the basement and getting the bathroom, the doors enlarged, and the landscaping done later on.
1 person likes this
@Katlady2 (9920)
• United States
17 Jul 08
If you are both on the account, even if you didn't use your card a day in your life you would be held responsible. Maybe you could go to court if it came down to it and show proof that your husband was the only one using a bank card from the account, but I'm not sure that it would change the liability issue.
2 people like this
@suspenseful (40316)
• Canada
17 Jul 08
That is what I am afraid of. I do not think it would do any good. The only thing I could do is to open a card at that bank in my name, but I really do not have enough basic money in my savings account to make it profitable. And even though there is not much balance on it, we will be fixing up the basement and doing landscaping later on, and he will be charging more things on the card then.
1 person likes this
@Shaun72 (15968)
• Palatka, Florida
17 Jul 08
I would contact the bank account that you and your husband both use to see what it going on. It sounds like there is a big mistake somewhere.
@suspenseful (40316)
• Canada
17 Jul 08
I will have to ask them about it. It would then seem that my husband cutting off my credit card did not do any good. I kept wondering why I got those Capitol One card offers for those with bad credit. It was because his account was linked with one. I did not make my Bank of Montreal account a joint account and I am sure that if I wanted to take money out of my husband's registered retirement plan that is also in the Bank of Montreal, that they would not let me.
1 person likes this
• Canada
17 Jul 08
This is why my husband and I have our own separate ards, and we don't have joint-anything. I think they did i simply beause it exists. Again, we don't want to take the cance, so we don't have he joint stu.
2 people like this
@suspenseful (40316)
• Canada
17 Jul 08
It is just that our first car went through the Bank of Montreal and he got a credit card for that. At that time, the numbers were the same for husband and wife, then it changed so that I got a card with a different number, but I never authorized it or used it. Now I suppose I have to switch to the Royal or the Toronto Dominion bank where my husband does not have an account at. It is the same with Sears. he misplaced his card and had to use mine to make a purchase but the bill came to him, not me.
1 person likes this
@Lakota12 (42684)
• United States
18 Jul 08
I would be talking to the bank about this as it shouldnt be listed specially that he cut it up anbd you havent athorized it. I would have them take it off of your account and fast!
1 person likes this
@suspenseful (40316)
• Canada
18 Jul 08
The trouble is that it was a renewal card for the other card whose expiration date had run out. If it was a new card, then it would have been easier. I guess the only thing is for me to get my own card under my own name, but I have three already and I do not want anymore, and I only use two of them. So that will be another card for identification purposes only.
@Lakota12 (42684)
• United States
19 Jul 08
I see well they are handy if ya need them
1 person likes this
@suspenseful (40316)
• Canada
19 Jul 08
I do not want a new card, because if we do have to move in two years time, that would mean changing all the addresses. And I suppose I would have to get it with different rewards and there would be the problem with what card to use for what. I prefer the store Mastercards myself as I pay them at the store and I get a good interest rate.
@reinydawn (11649)
• United States
18 Jul 08
Someone else summed it up pretty good. If you signed the application as a joint owner then you are responsible for all the charges. If you were just added as an authorized user then you are not responsible for any of the charges - even the ones you make. My husband and I have various cards, most in my name with him as either joint owner or authorized user. We only use 2 really, so it doesn't matter about the rest of them too much. Most everything we have is joint anyways so it's all just "ours".
1 person likes this
@suspenseful (40316)
• Canada
18 Jul 08
This would not concern me, except for my husband's mini stroke and his family having a high risk of strokes and dying from them. This is a joint credit card, and the others are just separate ones, but I never use that since it is mainly for household items and stuff. I believe I was just added as an authorized user, but why did the bank put the account on my online bank statement?
@reinydawn (11649)
• United States
18 Jul 08
That would make it look like it's a joint account, not just an authorized user. The accounts that I am joint on with either my husband or my kids show up in my on-line banking.
1 person likes this
@suspenseful (40316)
• Canada
20 Jul 08
But when I opened my checking, savings, and my US savings account, I did not put my husband's name on them. They are just in my name. I had to tell them my husband's name because he was born Mennonite and they do not believe in middle names, and they had to make sure it was not someone of the same name who was a crook. But we did not sign the credit card together. I think they just put the authorized user, me on my online account.
1 person likes this
@lucy02 (5017)
• United States
18 Jul 08
Good question, suspenseful! I would call the bank and find out from them. My husband and I married late in life and have kept our finances separate. He gives me money to pay on the bills (when he can). He has some credit card debt and he has assured me that I will not be responsible for it if something happens to him. I have heard some conflicting info on that. Some say I would and some say I wouldn't. I may start a discussion on that too cause I would like to know.
@suspenseful (40316)
• Canada
18 Jul 08
It might be that if the bank gives you a supplementary card in your name but with your husband as the main card owner. That is what happened to me. Before that, it was the same account number and I do not remember getting a card then. In that case if something would happen to your husband like a fatal accident, you would be responsible. While my husband worked for the railway, I was wondering what would happen if he got run over by a train.
1 person likes this
@lucy02 (5017)
• United States
18 Jul 08
I'm not on his credit card or bank account though. We have separate cards and accounts. Would that still make me responsible?
1 person likes this
• Australia
29 Jul 08
Unfortunately for you, any activity on your husbands card is still your responsibility as the account is in your name. We are trying to get a credit card here, not easy due to the minimum income most companies demand, but I know that once we do get one, I will be the primary account holder and my partner will be a secondary card user. That means that I can actually deny him access to the account if need be and reject any transactions that I have not authorised. Sure, I still get charged a fee, but being the primary account holder, I am the one who has the final say on what is a valid transaction. We have a plan of how we want to use a credit card, but we still can't get one! The plan is very well thought out,but no one ever seems to listen to it, they only look at our income!!!!
1 person likes this
@suspenseful (40316)
• Canada
30 Jul 08
There is not that much on that card. My husband uses his Canada Tire card and I use my HBC Mastercard, both get points and mostly he just uses his debit card, bot sometimes like on a trip, he will use both the bank card and the Canada Tire card. I just hope nothing comes up.
@venshida (4837)
• United States
19 Jul 08
From my understanding, you will be liable for your husband bill in the unlikely even something happen. Did you discuss this with your hubby?
@suspenseful (40316)
• Canada
20 Jul 08
He thinks if I order a new card and do not auhorize it, that do not phone the 1 800 number on the card, it will be all right, but I doubt it. So either I will have to call Master card or Bank of Montreal, and it is hard when my husband is at home with me. He got upset when I ordered a card because I thought mine was lost.
@Bluepatch (2480)
• Trinidad And Tobago
17 Jul 08
I never agreed with this business of joint money anywhere even if its the person you're married to. That creates such arguements is horrible. If your partner needs money just lend it to them, don't have any kind of joint spending, its too arguementative. Its been known to break up relationships, too.
@suspenseful (40316)
• Canada
17 Jul 08
We used to have different accounts in the same Credit Union back in Saskatoon, but then my husband wanted to borrow money, so I decided when we moved that I would open a different account in a different bank since I did not make as much money, but then that bank did not have a good American bank account so I opened on in the same bank where we bought our car and that is when the problems started.
• United States
17 Jul 08
Unfortunately that is true, you would be held responsible for the bill should your husband pass away. Not only because you are listed as a joint user for the card, but also because you were married at the time he had the credit card, and they would assume that it was used on joint ventures. You would have a better time explaining your way out of that debt had you not been named as a joint user, but it will be twice as hard to absolve the debt since you are. My suggestion would be to get off the card as soon as possible, but now that you are on it, if you were to cancel your card, it would drop your credit score.
1 person likes this
@suspenseful (40316)
• Canada
17 Jul 08
I would not want to drop my credit score. I just will not use the card, but I was thinking if I did use the card, it would be only to get that Macbook Pro from Apples in Canada because of the points. And I almost got enough for the Airmiles Gold Card. We do not have much debt now, but when my husband gets over his stroke and back to the basement fixing up, and then gets someone to landscape our yard, it will.
1 person likes this