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Q: My girlfriend and I used to use a joint account (though I was paying the bills), but we have recently broken up. However, she is still using the card and is racking up some serious charges. What can I do to get her off the account that was originally mine and not have to pay off her charges?
A: If you have ended a relationship, but your ex is still using your credit card, you may have to take several steps to stop this from happening. The important thing to remember while you are working on this is to keep records of the numbers you called, the person with whom you spoke, and some brief notes on what you were told. This way, you will have proof of everything you did should she question any of it.
Your first, and probably best, option is to send a letter by certified mail to the credit card company. By sending it certified mail, you will know they received it, and will also have a record of your correspondence with them. Don’t forget to keep a copy of the original letter you send as well as any return correspondence you receive of them.
In the meantime, continue to examine your statement each month, or more often if that’s possible. Keep a record of the charges that she made, and start the dispute process. You can receive information on how to do that by going online to your credit card company’s website or by calling the Customer Service number.