If a person's name is on a credit card does that mean she is responsible for the charges?

In general, whoever's name appears on the card will be the person responsible for the debt. This is the reason credit cards companies try hard to get a card holder to accept a card in a spouse's name. Thereby assuring payment from someone, one way or another. When you are married and live in a community property state, each spouse is obligated for any debt incurred regardless of who signed the contract. The exception is Wisconsin, which is considered a community property state, but has quite different debtor responsibililty statutes.