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If that account was created when you were still a minor, which is what I understood, then it is a custodial account. When the turn 18 it is converted to a "regular" account, be it checking or savings. What I said is generally correct, although there are probably exceptions to the rule. If my wife were to go to the bank and take my name off of our joint account, I wouldn't be happy with her, and I wouldn't be happy with the bank for letting her do it. In fact, I can such an action would probably result in a successful lawsuit against said financial institution. I wouldn't expect the bank to allow any name to be from an account. When we get a divorce, if she goes to the bank with me and signs something allowing me to keep the joint account and remove her from it, that's different. They do that, but I would be surprised to it. In the case of a credit card, with an existing balance, the only way I know to remove a name from that card would be to transfer the balance and close the account. The same is true with a mortgage, car, or HELOC. The bank simply won't let one party out of an obligation to pay. Since the OP was asking mainly about a credit card, I answered that he or she should not expect the bank to allow one name to be from an existing account. I stand by that statement. seeking a secure compassionate family man
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