Am I Responsible for My Spouse’s Credit Card Debt? (2024)

Table of Contents

  • Do you inherit debt when you get married?
  • Do you have to pay your spouse’s credit card debt once you’re married?
  • When are you responsible for your spouse’s debts?
  • In which states are you responsible for your spouse’s debt?
  • Are you liable for your spouse’s debt after divorce or death?
  • FAQs

Article updated on Aug 11, 2023

Before you get married or combine finances, make sure you know how your partner's debts will be treated.

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Our Experts

Am I Responsible for My Spouse’s Credit Card Debt? (1)Am I Responsible for My Spouse’s Credit Card Debt? (2)

Written by

Am I Responsible for My Spouse’s Credit Card Debt? (3)

Holly Johnson

Contributor

Holly Johnson is a credit card expert and writer who covers rewards and loyalty programs, budgeting, and all things personal finance. In addition to writing for publications like Bankrate, CreditCards.com, Forbes Advisor and Investopedia, Johnson owns Club Thrifty and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You'll Love."

See full bio

Edited by

Am I Responsible for My Spouse’s Credit Card Debt? (4)

Laura Michelle Davis

Editor

Laura is a professional nitpicker and good-humored troubleshooter with over 10 years of experience in print and digital publishing. Before becoming an editor with CNET, she worked as an English teacher, Spanish medical interpreter, copy editor and proofreader. She is a fearless but flexible defender of both grammar and weightlifting, and firmly believes that technology should serve the people. Her first computer was a Macintosh Plus.

See full bio

CNET staff -- not advertisers, partners or business interests -- determine how we review the products and services we cover. If you buy through our links, we may get paid.

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Our Experts

Am I Responsible for My Spouse’s Credit Card Debt? (5)Am I Responsible for My Spouse’s Credit Card Debt? (6)

Written by

Am I Responsible for My Spouse’s Credit Card Debt? (7)

Holly Johnson

Contributor

Holly Johnson is a credit card expert and writer who covers rewards and loyalty programs, budgeting, and all things personal finance. In addition to writing for publications like Bankrate, CreditCards.com, Forbes Advisor and Investopedia, Johnson owns Club Thrifty and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You'll Love."

See full bio

Edited by

Am I Responsible for My Spouse’s Credit Card Debt? (8)

Laura Michelle Davis

Editor

Laura is a professional nitpicker and good-humored troubleshooter with over 10 years of experience in print and digital publishing. Before becoming an editor with CNET, she worked as an English teacher, Spanish medical interpreter, copy editor and proofreader. She is a fearless but flexible defender of both grammar and weightlifting, and firmly believes that technology should serve the people. Her first computer was a Macintosh Plus.

See full bio

CNET staff -- not advertisers, partners or business interests -- determine how we review the products and services we cover. If you buy through our links, we may get paid.

Reviews ethics statement

Why You Can Trust CNET Money

Table of Contents

  • Do you inherit debt when you get married?
  • Do you have to pay your spouse’s credit card debt once you’re married?
  • When are you responsible for your spouse’s debts?
  • In which states are you responsible for your spouse’s debt?
  • Are you liable for your spouse’s debt after divorce or death?
  • FAQs
Am I Responsible for My Spouse’s Credit Card Debt? (9)

Am I Responsible for My Spouse’s Credit Card Debt? (10)

Written by

Holly Johnson

Contributor

Holly Johnson is a credit card expert and writer who covers rewards and loyalty programs, budgeting, and all things personal finance. In addition to writing for publications like Bankrate, CreditCards.com, Forbes Advisor and Investopedia, Johnson owns Club Thrifty and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You'll Love."

Advertiser Disclosure

CNET editors independently choose every product and service we cover. Though we can’t review every available financial company or offer, we strive to make comprehensive, rigorous comparisons in order to highlight the best of them. For many of these products and services, we earn a commission. The compensation we receive may impact how products and links appear on our site.

Am I Responsible for My Spouse’s Credit Card Debt? (2024)
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