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Unauthorized Use Unless you are an authorized user or an account holder, you do not have the right to use your spouse's credit card. However, spouses commonly use the their partner's credit cards to make transactions without running into trouble because the spouses share a last name.$A wife can use her spouse's credit card as long as she is an authorized user on the account. She does not have to be a co-signer, but the husband must add her name to the account as authorized user. If she is not a co-signer on the card, she is also not liable for the credit card debt.#Learn if you are responsible for your spouse's credit card debt during the marriage, or divorce, and what happens to credit card debt in the event of death.


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