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Can my credit cards give me problems after I divorce?

It is important as you proceed through a Florida divorce not to leave any financial loose ends that could come back to bite you later on. One of those loose ends may be lurking in your wallet. Over the course of a marriage, couples will often share credit cards. But if you intend to separate from your spouse, you must make certain that your credit card debts are separated as well.

Just because you formally divorce does not mean the credit card agreements you currently have on file will automatically change because of that. According to Bankrate, you and your spouse will still be subject to the preexisting agreements you have on file. That means if your spouse is an authorized user on your credit card, even if you divorce, you are still on the hook for expenses your spouse makes if your spouse does not pay.

To prevent these kinds of entanglements in the future, split up your credit card accounts so that you and your spouse do not share the same card. If a spouse is an authorized user, the process is simple. All you have to do is contact your credit card company and have the spouse taken off the card as a user. An authorized user can also request to be removed from a card.

However, it can be a little harder when both you and your spouse jointly control a credit card. In this case, it is best for a couple to pay off the debt on the card and then close the card out. You can also consider switching the debt on the card to a new card that you or your spouse controls, and then close out the account you both owned.

Dealing with your credit card arrangements before you complete your divorce can save you from messy entanglements down the road. However, since divorce issues can be different across couples, you should not take this article as providing any legal advice. It is only intended for educational benefit to the reader.

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