It depends on whether you’re a joint account holder or an authorized user. Authorized users are able to use someone else’s credit card (often even having a card issued in their own name) without being responsible for paying the debt incurred. If you didn’t sign the credit card application, you’re not liable on the debt. So, even though this account may show up on your credit report, it is not a debt you owe and does not have to be listed on your bankruptcy forms.
If you’re a co-signer or co-borrower on the account, on the other hand, it has to be listed as a debt in your bankruptcy forms. You’re responsible for paying the debt, after all, and all debts must be listed. Additionally, you’ll have to list the name and address for the other person that is on the card with you in your Schedule H.
What if I’m not sure if I’m an authorized user or co-signer?
If you’re not sure, it’s always best to err on the side of caution and list the debt in your schedules. Worst case scenario, you notified a creditor you don’t owe anything about your bankruptcy case and are removed as an authorized user. On the other hand, if you are obligated to pay the debt but don’t list it, thinking you’re only an authorized user, your discharge order might not eliminate this debt.