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Chris The Lawyer
Chris The Lawyer, Lawyer
Category: New Zealand Law
Satisfied Customers: 23060
Experience:  38 years qualified as a lawyer; LLB, MMgt and FAMINZ.
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Is a wife liable to pay her husbands personal credit card in

Customer Question

Is a wife liable to pay her husbands personal credit card in the event that he cannot pay it?
Submitted: 2 years ago.
Category: New Zealand Law
Expert:  Chris The Lawyer replied 2 years ago.
You are definitely not liable to pay your husband's personal credit card. However you do need to be careful because many credit cards are issued from a joint account even though the card may be just in the individual names. So you need to check whether the card comes from a joint account or comes from an account in his name alone. If the card is based on a joint account, then the small print in the terms and conditions will permit the bank to require the other cardholder from the account, being the wife, to pay the account.
Customer: replied 2 years ago.
Hi Chris, thank you for your reply. The card was issued to him as a individual from our joint account over 20 years ago.. we have not been with the bank for 15 years. In this time the bank has increased his limit serveral times while we had no joint account with the bank. 1 year ago he converted the card to a repay debt card.. he has no income and has not had a income for 5 years. He also has no assets. If he defaults on his repayments can this effect me and my son (we have a mortgage on a property which we brought 1 year ago).
Expert:  Chris The Lawyer replied 2 years ago.
If the card is no longer based on the joint account you should be safe but it may be prudent to check with the bank and make it clear you want nothing to do with his debt