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

When you are married to someone, you are responsible anyway.

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.

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.

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.

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.

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.

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!

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".

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.

From my understanding, you will be liable for your husband bill in the unlikely even something happen. Did you discuss this with your hubby?

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.

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!!!!

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.