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Q: How can I remove myself from a joint credit card account, or can’t I?
A: Whether or not you can remove yourself from a joint credit account may depend on a number of things, the most important of which will be your state’s laws on joint accounts as they apply to credit cards, bank accounts, and other financial matters. If you are married, it may be that you cannot remove yourself from a joint credit card account unless you are divorced. Even then, depending on the divorce terms, you may still be responsible for paying part of the balance.
If you are not married, but have been simply co-habitating, you may have to make a sworn statement that you are no longer living with this person and wish to only be responsible for the charges you yourself have incurred. Again, this will depend on your state’s laws.
It will also depend on the individual credit card companies. Some may allow you to remove yourself, but this alone may not release you from any financial obligations. You may still be financially obligated for at least your charges.
If you see feel that this is something that may occur in the near future, you might want to go ahead and take steps to determine what your rights and obligations are. From there, you can decide if you need to seek legal counsel, which may be a possibility.