Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
Who was the individual who was deemed an authorized user on the account? How did the credit card company reach the decision that this individual was an authorized user?
The first step I would take is to find the credit card agreement or request one from your company and see if the term authorized user is defined. If they will not provide you with one or you cannot find your look on the internet for the term as defined in terms of credit cards.
I would guess that you would be able to make an argument that an authorized user cannot "take over" the account and is simply able to charge if necessary. I would then argue that your spouse's actions did not fall within the scope of an authorized user's and you should not held responsible for them. In addition, I would argue as the primary user that any and all contact information changes should have been confirmed by you.
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