Although you can give your spouse permission to use your credit card at any time, think long and hard before turning over your card.Keeping close tabs on your credit card – and its balance – is your responsibility.
Don't be fooled into thinking, however, that adding your spouse suddenly makes your credit card account a joint account.
If your spouse later takes and uses your card without your permission, you may still be responsible for the charges he incurs – regardless of whether or not you were aware of his activities.
While some courts have upheld that such behavior is clearly theft and constitutes misuse, other courts note that when you give your spouse permission to use your account, he has “apparent authority” to continue to make purchases with your credit card in the future.
While there are plenty of ways to hide your credit card purchases from your partner, honesty is still the best policy and masking some purchases from your significant other might only work in the short term.
If you’re struggling to repay your debts on your credit card but don’t want to alarm your partner, get in touch with your card issuer as soon as possible to discuss your debt consolidation options.
This freedom of use includes allowing a third party, such as your spouse, to use the card when necessary.