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Divorce/separation

Here you'll find divorce help and support from other Mners. For legal advice, you may find Advice Now guides useful.

Original poster

Credit card

11 replies

Notthefoggiest · 18/06/2023 12:30

It seems my husband and I are separating. We have a credit card where he is the main account holder and I have a card. I believe he is making high value purchases on it, but I am not able to view the statements. Is there anything I can do to stop him running up debt that I will be responsible for when we divorce?

OP posts:
elf81 · 18/06/2023 12:37

You won’t be liable for it. As he is the account holder he is liable for all spends on it including yours. I have a credit card and my husband is a card holder and it states this in the terms and conditions. You would only be liable if it was a joint account and then you would be able to contact the bank and get access to all statements.

Original poster
Notthefoggiest · 18/06/2023 12:40

@elf81 thanks - although e erything I read online suggests credit card debt is matrimonial?

OP posts:
elf81 · 18/06/2023 12:44

Only joint debts. By the sounds of it this is not a joint card, you are just an additional card holder on your husbands account. It is only joint if you also signed for it when it was originally taken out.

elf81 · 18/06/2023 12:45

Although this is for the uk. I’m not sure if you are in another country.

Original poster
Notthefoggiest · 18/06/2023 12:50

@elf81 Yes, I am in the UK, and I believe I am just an additional card holder.

OP posts:
Pixiedust1234 · 18/06/2023 12:51

I've been wondering this too OP. I cannot see any statements, if I try to buy anything online with "my" card a code is now sent to his phone which is password protected so essentially he has veto control and yet I know we are in horrendous debt. No idea what he's spending it on.

clpsmum · 18/06/2023 13:05

I'm in Scotland. I was told by my solicitor that any debts that were incurred during the marriage qere joint debts regardless of whose name they were in. They were marital debts. Best get some legal advice and double check

EliflurtleTripanInfinite · 18/06/2023 13:26

You could try asking in the legal section on here @Notthefoggiest . I believe it can go either way, while you're not legally responsible for the repayment of that debt itself during marriage, it can be counted as a debt of the marriage and reduce the amount of assets available to share.

largeagegapWLW · 18/06/2023 14:51

Have you fixed your date of separation yet? Any debt after this would be his I believe.

Original poster
Notthefoggiest · 18/06/2023 14:58

@largeagegapWLW no, not yet. I had hoped we could work it out, but I am less and less convinced this is going to be possible.

OP posts:
Original poster
Notthefoggiest · 18/06/2023 14:59

Thanks, I've done that. That was my understanding too.

OP posts:
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