Supplementary Cards
My husband has a mastercard that only he applied for the credit on. After he got the card, sometime later, he got me a supplementary card. I have hardly used the card, maybe 3 times. I want to be removed from this card and not be responsible for any of the debt, but the credit card company told my husband that only if he pays off the card and requests in writing and returns my card can i be removed.
My husband can�t pay off the card, and i don�t want any part of this debt. I never applied for credit and never submitted authorization for a credit check.
Am i responsible for all of this debt or only part or any at all? If I am, how can i be if i never applied for the credit? I don�t understand.
Please advise my options here as I don�t have any other credit in my name and I don�t really want to file bankruptcy for this $5,000 credit card.
Thank-you!
As long as you have never signed this original contract you shouldn’t have too many difficulties. If you have a supplementary card and you were not added as a joint debtor, likely the credit card company will not be seeking payment from you, just your husband. The key is ultimately how the agreement was set up and whether that agreement was amended. From the sounds of it a supplementary card holder the worst thing that could happen is the credit card company could potentially hold you responsible for the purchase made by your card, not your husbands.
It m,ay be that you never applied for the supplemental card, but by using it, even once, you became a party to the cardholder agreement. The credit card company has te right to hold you responsible for the balance on the card – the entire balance, even if you only used the card once.
Sorry, but the best advice I can give is destroy both your spouse’s and your cards and pay down the balance as quickly as you can. I agree, it doesn’t make much sense to file bankruptcy for $5,000.