+1

This is the pitfall of joint accounts. Each party is wholly liable for all the debt, no matter who incurred it and how.

Some banks (Chase?) will let one joint holder off the account, if it's paid off and if the remaining party has good enough credit to qualify on the card on his/her own. That doesn't sound like what's going on here.

btw, many people (including some attorneys) think that if a judge directs that one person is responsible for the debt on a joint account, the other is off the hook. Not so. The account will continue to report to the second party's reports, and creditors can and will come after the second party.

eta: creditaddict outposted me