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Can a wife use a husband's credit card?


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Wiki User
2010-12-20 01:43:52
2010-12-20 01:43:52

In most cases, no. Per credit card company rules, the person who signed the back of the card is the only person allowed to use it, and if the signature on the back of the card doesn't match the signature on the charge draft, then an ID check is triggered and the retailer has to verify that the person presenting the card is the person named on the card. It has to be that person, not their husband/wife/etc. If the husband/wife is an authorized user on the wife/husband's account, the credit card issuer would issue an additional card for that authorized user.

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If the wife is listed on the accounts, then YES. Did the wife have the credit cards also? In her name too? Then, YES. If the cards were only in the husbands' name. If the wife did not use the cards. Maybe Not.

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Absolutely NOT !... If you do - you would be committing fraud !

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"can i use my wife credit card without her knowing, my name isn't on the card is that considered identity theft

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If the husband adds the wife as a "joint" it will show on her credit report but will most likely not be counted against her if she tried to apply for a loan. If the husband adds the wife as an "authorized user" it will not even show on her credit report because she has no legal obligation to pay the credit card bills, but she has the right to use the card.

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Only if she is also on the account. If not, then absolutely not. You can get yourself in a heap of trouble by using the credit card of a deceased person. You must notify the credit card company of the death and close that account.


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