If the unthinkable happens and I'm getting divorced, what do I do?

Unfortunately, credit card companies don't have to abide by divorce decrees. That means they are certainly able to hold you responsible for debt your former spouse does not pay if it was a joint account. There can even be interest and penalties in some cases!

Interestingly, the state in which you live can make a difference. (source) No matter where you live, if both parties are co-signers on a card they're both responsible. But in "community property" states (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin) both are responsible, even for debt incurred by just one spouse.

Do your best to divorce with no joint debt, and make sure you have at least one card in your own name.