Credit Card - am I liable for husbands debt?

My husband is the main cardholder for two credit cards.

I am the additional card holder for both.

I fear in the break up, he will get into debt with these cards, am I liable?

Please please help.

Thank you

A simple answer is yes. As a rule of thumb all assets and debts go into the pot.

To protect yourself however you could write to Experian and Equifax to disassociate yourself from him.

Thank you so much for your response.

So correct me if wrong; if I where able to remove myself as the additional card holder for both credit cards (and say, remove myself from joint accounts) I am still liable for any debt he incurs until we are divorced?

This is a subject that comes up regularly. I would talk to the credit card company and chop up your card. The company will be better to advise you. It is always a question of the situation at time of split versus the situation at actual divorce and during that time you may get money/earnings and have living expenses and the same for the other side. Its best to keep records of the situation..ie bank accounts /credit card statements etc as each side may have costs to enable them to live.
Keeping records of money flow is always advisable for both sides.

Here is my understanding:
Joint credit cards mean a primary card holder and a secondary card holder. The primary card holder is liable for the debt with the bank as he has entered into a credit agreement and has authorised the secondary card holder to have use of their credit. The bank can not hold you liable for the debt as the secondary card holder.

You are however financially tied to your husband and if he runs up debts it would most likely show up on your credit file too.

Also as Polar has explained, it all goes into the divorce melting pot for division. So whilst you are not legally liable for the debt and can’t have bailiffs chasing you for it, when money is split in divorce proceedings it can impact the financial outcome.

Thank you for this, yes I'm starting to realise I can't protect myself financially, being married.

It's good to know I won't have anyone chasing me, but yes understand at the end of all of this any savings/profit from the home we share may get soaked up from his debt.

I have requested to be removed as an additional card holder - is there more I could do? (Especially without him knowing) ?

Yes.
Write to experian. Certainly do it after divorce as the credit check agencies link people together from electoral role , address etc. Records will still be 'old' ones unless you do this and stop you getting credit. (or as much credit)