If husband and wife have a credit card that is a joint account, both parties are permitted to use the card, and both parties are responsible for the debt. If husband has an individual account, he may permit wife to use the card; however, she is not legally responsible for the debt. If husband has a card and wife is an authorized user, wife does not need husband's permission to use the card, and she is not legally responsible for the debt. Husband is legally responsible for the debt.
Keep in mind, your credit score can go up or down even if you are an authorized user; however, if the card is not paid, the card company's remedy is against the owner, not the authorized user.
If you would like to speak to an experienced bankruptcy lawyer in Cape Coral, please call the Rothrock Law Firm at (239) 206-1948.