[Spunky]

"A reminder, only integrity and self values holds you responsible for your wife’s debts if you are not on her account."

I don't think that is correct. If you live in a community property state like CA and WA you are responsible.

[Gaffer]

In my state, if you are not specifically on the account - named as a co-card holder, you are not responsible for the debt. The card company has the action to file suit against the state to collect, however.

[Marcella]

“I don’t think that is correct. If you live in a community property state like CA and WA you are responsible”

Texas is a community property state, however, if a card is only in one person’s name, only that person is responsible. This changed years ago when credit changed to be by individual, not couple. If a spouse has a card only in his/her name, the other spouse is not responsible for that debt because the spouse with the card got the card on the basis of his/her credit, not the spouse’s credit.

If your spouse has a card and you are not on it, the spouse got it with his/her credit, and the spouse runs up a $50,000 bill, you are not responsible.