Dave Ramsey says: After breakup, have name taken off joint credit card

Dear Dave,

I opened a credit card account with a boyfriend several months ago in both of our names.

We’re no longer dating, and I was wondering if I can get my name off the account.

— Melody

Dear Melody,

Yes, you can.

Call the credit card company right now, and tell them to take your name off the account immediately.

Find out if there’s a balance on the card. If there is, and it was charged up while your name was on the account, you’ll still be liable for that amount.

They won’t release you from responsibility for those purchases, but you can get off the hook for any future charges.

Then, send them a certified letter — return receipt requested — stating that you are no longer liable for additional charges on the card going forward.

It wouldn’t be a bad idea to call them again in a few days to make sure they got the letter, too.

You’re learning a hard lesson here, Melody.

You should never open any kind of joint account with someone when you’re not married.

And stop using credit cards!

— Dave

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