I divorced my wife 7 years ago, but have been using joint credit cards which was opened while we were married. Ex-wife is the primary credit card holder and has never used the card since the divorce. I have been using the card for the past 5 years after the divorce and she is now asking to have her name removed because she has never used the card after the divorce. I have been paying the minimum amount due, but I can't pay off the balance and I don't have good credit to make a new card to take over the debt under my name. Is there any illegal way so that her name can be removed and I can take all responsibility to continue paying the debt I've made under the credit cards with my ex-wife being the primary? She is trying to buy a home but because of these debt I've made after the divorce, she was declined her home loan.

I think you both need to contact the credit establishment under which this card is provided from.

Why didn't you get your own card after the divorce? I'm going to be honest, I think its pretty crummy that you are using her card and gave her bad credit.

She could probably sue you for this.

I kind of agree with the last responder to your question. Legally, only the primary card holder can remove a name from the account. You did not have to provide credit information when you were given the card, therefore the bank would be foolish to give you total control of the account, and they won't especially reviewing the past payment history. If she really wants to clear up her credit now, she needs to remove you from her account like she should have years ago, contact the credit card company and make on-time payments on her account. The only way you will be the only one totally responsible for the account would be if the primary card holder dies, thus you would be totally responsible for the amount, even if she used the card. Again, it is her account to control, not yours.

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Originally Posted by workszero1

i divorced my wife 7 years ago, but have been using joint credit cards which was opened while we were married. ex-wife is the primary credit card holder and has never used the card since the divorce. i have been using the card for the past 5 years after the divorce and she is now asking to have her name removed because she has never used the card after the divorce. i have been paying the minimum amount due, but i can't pay off the balance and i don't have good credit to make a new card to take over the debt under my name. is there any illegal way so that her name can be removed and i can take all responsibility to continue paying the debt i've made under the credit cards with my ex-wife being the primary? she is trying to buy a home but because of these debt i've made after the divorce, she was declined her home loan.

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She doesn't need to get her name removed. She is primary on the card so she can cancel it at any time. Card cannot be used, balance and terms are still in place - check with the credit card company.

I don't understand your question "Is there any illegal way ..."