You need to find out how your name is on the card. just the fact of adding a name to a card doesn't make you responsible, it only means you are authorized to use the card. Did you sign documents stating you are responsible, giving your social security number? One way to find out is to pull your credit report, if the debt is on your report then you will have to pay, if not you are most likely not responsible. Call the bank the card is from and ask if you are an authorized user or if the card is under your name, making you responsible. If they say you are responsible, ask for documentation you signed stating you accepted responsibility.
Answered on Nov 15th, 2011 at 1:20 PM