In this week’s Money Made Easy, financial adviser Dan Danford answers this question from a viewer: We are starting to go through the divorce process and I am looking at our credit cards. It looks like they are all credit cards in my name with my wife listed as an authorized user. Is her being an authorized user different from a joint account? Danford, MBA, CRSP, of Family Investment Center, explains the difference between joint accounts and authorized users and who is responsible for the debt.