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And if the couple's finances go south, the card issuer may come after you for the entire balance, regardless of whether you used the card heavily -- or never touched it.

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The entire debt will appear on both signers' credit reports, for better or for worse."There's a priority in state law who can take over and administer your estate, particularly if you don't have a will," she said."Typically the first in line to do that is the spouse." See related: Same-sex marriage means joint custody of debt We encourage an active and insightful conversation among our users.And even if a decree allocates part or all of the debt to an ex, it doesn't remove joint accounts from credit reports.And the divorce won't shield you from collection calls -- and even legal action -- by the creditor.

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