<prompt> Human: My husband and I opened a credit card with our USAA bank back in 2012. Problem is I cant remember if its a joint credit card account or if Im just an authorized user. I want to call our bank to ask, but I dont want him to be notified if I do. I cant ask him and dont want him to be notified because were about to go through a divorce.  <response>: I dont have the answer but one way to check would be to look at your credit report. It will list if it is joint or if you are an authorized user. Hope this helps and good luck to you : 