Q: Should they be cancelled?
ANSWER:If you believe that your spouse will utilize the cards for purchases other than legitimate living expenses, then consider closing the account. Most accounts can be closed by either paying off the outstanding balance or transferring the balance to another card. If you are the primary name on the account, you may be able to accomplish the same goal by merely having your spouse removed as an authorized user. Ultimate responsibility for the debt will be decided by the Court or settled through negotiation. In most circumstances, I recommend that you advise your spouse of your actions (after the accounts have been changed) so that he/she is not surprised or embarrassed when a charge is unexpectedly denied.