Removing deceased husband from CC account

[Anonymous]

It seems the only way to remove my deceased husband's name from my CC account (joint) is for me to close my long-standing account and open a new one, thus affecting my good credit score.  This does not seem reasonable to me at all -- sure, it's a joint account, and in other cases, such as divorce, it might make sense to close the account and open a new one, but if the joint account-holder is deceased and there is a death certificate to prove it, it seems an unreasonable requirement.

Thanks for letting me vent!

[REgnlor]

Sorry for your loss memdane but I agree with your assessment.  No way would I close a long-standing account and open a brand new one in order to have his name removed. Keep the history and your scores intact.

[oracles]

Hi Memdane and welcome to the forums and sorry for your lost.

I would definitely keep the account open. Do not lose the history and available credit with the card.

There is no need to close the account.

And thank you for venting, we all need it sometimes

[haulingthescoreup]

Let me echo the others and say I'm sorry for your loss as well.

We've had other members who were able to have the deceased's name removed from accounts. My mother did this as well after my father died.

May I ask which store card this is, and the bank behind it?

Message Edited by haulingthescoreup on 02-02-2009 01:30 PM

[Anonymous]

Thanks, everyone.  Appreciate the replies.

Haulingthescoreup: It's a U.S. Bank WorldPerks Visa card.  I think I may just need to be a bit more persistent with the next rep and ask for a supervisor -- at least give it a try.

[haulingthescoreup]

Do you have a brick-and-mortar US Bank in your area? If so, another possibility is to go in and work with a real live human being. Sometimes they know the right number to call.