# How are credit cards handled in division of property?

**URL:** <https://forum.rosen.com/t/how-are-credit-cards-handled-in-division-of-property/12762>\
**Category:** Divorce and Separation Answers\
**Created:** [August 5, 2011, 11:09pm UTC](https://forum.rosen.com/t/how-are-credit-cards-handled-in-division-of-property/12762 "2011-08-05T23:09:57Z")\
**Posts on this page:** 2\
**Page:** 1

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**Author:** ![CaptainAhab](https://avatars.discourse-cdn.com/v4/letter/c/f19dbf/32.png) [@CaptainAhab](https://forum.rosen.com/u/CaptainAhab)\
**Post date:** [August 5, 2011, 11:09pm UTC](https://forum.rosen.com/t/how-are-credit-cards-handled-in-division-of-property/12762/1 "2011-08-05T23:09:57Z")

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Are personal credit cards part of the overall combined debt? Or is each party responsible for her own credit card debts?

My wife purchased a lot of items on my credit card(s). She has no Credit Cards because of her very bad credit rating. After I found out that she was using my cards I blocked her from using my cards. Is she responsible for half the debt on my credit cards, or am I responsible since they are in my name only?

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**Author:** ![Crystal\_Russ](https://avatars.discourse-cdn.com/v4/letter/c/c4cdca/32.png) [@Crystal\_Russ](https://forum.rosen.com/u/Crystal_Russ)\
**Post date:** [August 8, 2011, 2:52pm UTC](https://forum.rosen.com/t/how-are-credit-cards-handled-in-division-of-property/12762/2 "2011-08-08T14:52:56Z")

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Yes, you are responsible for the debt. You can draft a proposed agreement with her where she assumes the cc debt accrued during the marriage. Otherwise, it’s treated as a marital debt and will be distributed evenly along with other marital assets and debts.