If you are in a "community property" state, you both are.
check Federal Bankruptcy act 801.3
If your name is on the account you have to pay. If not, you need to send a copy of the Death Certificate.
A friend of mine faced this before. he closed the joint bank account and opened one in his name only. canceled the credit cards and placed an AD in the classifieds that he was responsible for his debts only.The wife can get credit on her own and if she fails to pay the bill the husband can still be held responsible for the debt. Good Luck.
Pull your credit report.
Nothing, Visa is just a brand name for credit cards. Just like MasterCard, Discover, etc.
If he put your name on the cards so you could use them, you're responsible for all charges you both made. If your name isn't on the cards you don't have to pay.
No you wont be, as the credit was in his name only, because if he dies you cannot use the credit cards as they are in his name not yours. This is how I understand the system here in australia.
check Federal Bankruptcy act 801.3
Probably. In most cases the debts of the deceased are the responsibility of the estate. Anyone that was also a co-signer on any of the agreements might also be responsible. Consult a probate attorney in your jurisdiction for help.
If his name is not on the card,(He did not sign for the card) Then NO! And credit cards are unsecured loans.
Yes, you are married. For years I didnt even work or have credit cards, but I established credit due to my husbands last name, because we are married.
If your name is on the account you have to pay. If not, you need to send a copy of the Death Certificate.
Yes, if you share assets then the credit companies will consider you responsible and come after you for the unpaid debt. You may consult a credit councelor, they may have a loophole that the general public doesn't know about.
Credit cards are also called charge cards.
If your name is not on the account, and the account is not considered a "joint account" by the credit card company, then you should not be held liable for any debt on your wife's credit cards.
In California, the responsibility to pay off the deceased husband's credit card debt typically falls on his estate. If the wife is not a joint account holder or a co-signer on the cards, she is not typically responsible for the debt. However, it's advisable to consult with a legal professional to understand the specific circumstances and obligations.
Both of you, together and individually!