Is the primary card holder responsible for credit card debt?

Answer

There are a few factors that determine who is responsible. First of all, the names on the cards/accounts, if both spouses are named on the account,more than likely they can be each be held responsible. If they reside in a community property state, almost all debt is considered joint, though only one of them was the account holder. There are a few other states, that have laws pertaining to how the card was used. They are sometimes referred to as "family necessity statutes", food (not dining out) clothing, medical care, etc. This means a spouse might have to repay some of the debt. These laws seldom hold up when challenged, as they are often difficult to substantiate.

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