Are we in big trouble?

[willowsbrook]

Hi,
name change for this one.

About 18 months ago I needed a credit card but couldn't get one (stupid parking ticket CCJ has ruined my credit score).
DH said he would apply for one and that I could just use it as mine. I was happy with this and actually completed the application for him and basically have used the card as my own ever since. To reiterate, this was discussed explicity with him beforehand and I had/have his absolute consent.

We need to contact the credit card company last week to discuss an issue/complaint. DH made the call as it's technically his card but gave consent for them to talk to me.

The person on the line started asking lots of questions - did your husband apply for the card himself, could anyone else have accessed the card, exploited him etc. This made me feel really uncomfortable and now I am really worried that what we have done is serious and that we are going to get into massive trouble.
DH thinks that I am overthinking and that even if they did 'investigate' he would just say he consented so no issue or fraud.
Am I overthinking this?

Don't spam every board with your question. The first one was just fine.

I posted it on 2 boards to get more responses as I am worried.

This is standard procedure and not directed at you, how would they know you are using the card and not your husband?

Of course you won't get in trouble. They just ask that in case there was fraud on the card.
People use eachother's bank cards with consent all the time. They don't care. Unless you claimed it was a fraud when you knew it wasn't.

The only thing about letting someone else - including a partner, use your credit card, is that you are responsible for the balance they rack up. If they overspend wildly and don't pay it back, that can have repercussions for your credit rating. But no, the card issuer isn't going to set the law on you unless there's a reason to think you've committed fraud.