Re: Joint Credit Card Question
If you are concerned your wife may be suspicious or hurt by you coming off the accounts, approach it as part of an overall simplification process. Tell her you want to get rid of old accounts you don't use, reduce the number of credit cards you have, and since you are a spender you want to reduce your temptations.
Get a credit report for you and another for your wife. Those will show all your accounts including closed accounts (going back a few years or so, not forever). Use this as the template for deciding which accounts to close or take your name off of.
Your credit score depends on a lot of factors, and I'm not sure it is made public how they do it. In general though my understanding is they do look at how much unused credit you have out there. This is a potential negative because you could run up all those accounts to the max and be in trouble. If you have, for example, $50k of credit available on credit cards but keep a zero balance, it could hurt your ability to get a car loan because they worry you could then max out the $50k on the credit cards, too! Even though you are responsible and have a zero balance, it can hurt to have all that credit available.
On the other hand, if you have a small amount of total credit available, say $4000, and you are maxed out then it looks like you are perhaps not so responsible. So they may not want to give you more credit. There is some balance of how much credit you have available vs how much you are using, all of which is referenced against your income and your payment history.
On top of all that, you may or may not have any credit score impact if you are an approved user on your wife's credit cards. If the cards are on her own account, and if that account is not in your name at all, it may not reflect on you at all. So taking your name off of your wife's cards probably won't impact your credit score at all.
If cards are in a joint account then yes both of you will see it on your credit report and it will affect your credit score.
As far as disentangling yourself from your wife financially, it really doesn't do anything to take your name off of her credit cards. As long as you don't use those cards then you have no obligation to reimburse her for whatever you bought. However, from a legal standpoint you may both be fully liable for each other's debts (depends on the state you live in). So if one of you runs up big debt, both of you may be responsible to pay it. But your name on her card doesn't affect that at all.
However, if she is on some of your cards which are on accounts in only your name, she can run up your credit card and harm you. It would be more important to get her removed as an authorized user of your cards than to get you removed from her cards. But that move would signal perhaps a plan to divorce or separate. If you are ready to file for separation or divorce, just be ready to go to the bank and get your current cards changed and her name taken off. They can issue you a new card on your existing account with a new number, making the old card she has in her wallet unusable.