Actually, I have the physical card in my possession but she is making mail order charges to it. I can’t reasonably keep her from knowing the numbers, so what do I do? She’s also not an authorized user of the card but I have let her have the card for convenience like groceries, Drs appts and such.
We are in the process of getting a divorce and I have a lawyer but I can’t talk to him until Monday so I’m hoping for some quicker answers to put my mind at ease. I’m in Georgia also.
Thanks.
Cancel the card and have a new one issued to you, alone. Then don’t let her know the numbers. You can cancel the card by calling the 800 phone number printed on the back, 24 hours a day, 7 days a week. (If your card does not have the emergency number on the back, look for the 800 customer service number on your last statement.
Also call and stop payment or cancel payment for anything she orders, if it’s possible.
Also check the back of your statement for your card’s policy on fraudulent charges. There are limits to how much you’re responsible for paying on an unauthorized use. Also dispute every charge that she’s made with the card company. IANAL and I don’t know what Georgia law says about the ability of one spouse to access another spouse’s credit so be sure to ask your attorney, and at the very least make it an issue in any settlement negotiations.
It sounds like you want to let her continue to use the card for such things as groceries, doctor visits, etc. -
One way to protect yourself while not cutting her off completely would be to get a card with a low limit - $1000 or so, or even less… or change the limit on the card she currently has access to. The credit card companies don’t want to do this - they’d rather you have a $100,000 limit and charge it to the hilt - but you can make them.
Thanks all. I have cancelled the card. Found a few other charges to dispute. I had hoped to have an amicable divorce but that doesn’t seem possible. Oh well.
masonite , I have allowed her to use the card for normal conveniences but not since I had her served.