- 1). Call the card issuer to ensure the account is a joint account. Ask the card issuer if they will remove your spouse's name from the card. If there is an outstanding balance on the card, the credit card issuer will likely review your personal credit history and ability to pay before making a decision.
- 2). Apply for a new account and transfer the balance from the old account. If the credit card issuer will not remove your spouse from the credit card, try opening a credit card with another issuer and transfer the balance on the joint account to the new credit card. Check for promotional specials for balance transfer in order to recoup some of the transfer fee cost. If this is a divorce situation, you and your spouse can apply for new credit cards and transfer the balance to each, depending on the financial division of credit you've agreed to. Close the old account once the transfer is complete.
- 3). Ask the credit card company to close the account. If the credit card issuer will not remove your spouse's name from the card, and you cannot qualify to transfer the balance to an individually secured credit card, then ask the credit card issuer to close the account to protect yourself from any liability for future charges.
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