Credit cards

[cheekytinkrbell]

I and my husband have a family credit card. He is the main holder and I am the sub. Each credit card has individual names on them. If I use my card and then default on the payments. Who is responsible for paying?

[Sangetsu]

You are what is called an "authorized user" on your husband's credit account. Technically, he is responsible for making the payments, but any late payments or non-payments will go on both you and your husband's credit reports. You don't want this to happen, as getting credit is getting much harder than it used to be.