I recently closed a credit card account that I possessed with an ex-spouse. My concern is that the aforementioned ex will have the ability to reopen the account with my name still on it.
Note: We were both primaries on the account and have the same rights.
I spoke with the “lender” and they said that the other party will have the ability to request the account be opened. I asked if there was anything I could do to further protect myself from being unwillingly dragged into a commitment. The customer service for said lender has been very short with me and it seems my question is unanswerable to them.
My question is this, can the lender legally reopen a closed account with my name on it, without my prior consent? Is there anything I can do to “beat the system” and ensure that this will never happen?