 TITLE: How to Remove Your Name From a Joint Credit Card CONTENT: Fortunately, it's fairly easy to close a joint credit card, as long as both parties agree to terminating the account. Here are the steps you'll need to follow.\n*   **Pay off the balance.** If you have a balance on your joint credit card, your card issuer will likely require you to pay it off before you close the account. If your issuer doesn't require this, you'll be on the hook for your minimum payments each month until the card is paid off. Continuing to pay off the balance could be challenging if you are closing the account due to a breakup or divorce, so try to come to an agreement with the other account holder to zero-out the balance before shutting the account.\n*   **Consider a balance transfer card.** If you're unable to pay the balance in full before closing the account, you could transfer the remaining amount to a balance transfer credit card in your name. These cards offer a low or 0% introductory interest rate for a set period of time, during which you can pay off the transferred amount. You'll be responsible for paying off the transferred balance, but if you're concerned the other party won't hold up their end of the deal, this move could help protect your credit. Ideally, try to come to an agreement with the other account holder to split the balance.\n*   **Redeem rewards.** If your joint credit card earns rewards, take a close look at your accumulated rewards. If you've earned cash back or points, redeem them before you close the account. You can split them in half with the other borrower or divide them in a different way.\n*   **Call your credit card issuer.** Once you pay off the balance and redeem rewards, call your credit card issuer to let them know you're closing your joint card account and make sure you're meeting all prerequisite terms.\n*   **Confirm closure and monitor the request.** The credit card issuer may send you an email or letter that asks you to confirm your request to close the account. Follow the instructions carefully so the account can be closed as quickly as possible. Check your credit report to make sure it no longer appears there. END