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Can my wife use my credit card without my permission?
When a person uses a card without a card holder’s permission, this is illegal. Under U.S. law, if the person reports unauthorized use, he is only responsible for a maximum of $50 in charges. Either the retailer or the credit card company will be responsible for any charges made without proper authorization.
How is credit card debt divided in a divorce?
When you have credit card debt in both of your names, you are equally liable for the outstanding balance, even following the divorce. The same rule applies to accounts you cosign, and you’ll owe the debt if your partner doesn’t pay up.
Can I be held responsible for ex husband’s debt?
Any debts taken out in the name of an individual will officially remain the responsibility of the respective spouse who took out the loan etc. Joint debts (such as a joint mortgage) cannot easily be divided after divorce.
Are you responsible for your spouse’s credit card debt?
You are generally not responsible for your spouse’s credit card debt unless you are a co-signor for the card or it is a joint account. However, state laws vary and divorce or the death of your spouse could also impact your liability for this debt.
Can I press charges against my ex-spouse for credit card fraud?
If you do not want to press charges against your ex-spouse, you can try contacting your credit card company to inform it of the fraud. However, the Mercer County Sheriff’s Office in Ohio reports that credit card companies often require a police report as proof that fraud occurred.
What do you do if someone uses your credit card without permission?
Initially you report the situation to the credit card company and the police. Using a credit card without permission is a crime. You can sue the person, but that really isn’t the appropriate response. The person probably hasn’t got any money anyway. If the credit card will not remove the charges, then you have something to sue over.
What happens if you use someone elses debit card without permission?
Using a debit or credit card without the cardholder’s permission is treated as unauthorized use, a form of fraud that may carry financial or criminal penalties at the federal and state levels. 8 9 There are separate statutes for stealing card information, which is identity theft. 10 11
What happens if you ignore credit card fraud?
However, if you ignore credit card fraud and someone else reports your ex-spouse for this behavior, you may be charged as an accomplice because you had knowledge of the crime and did not report it.