I need a little more information. Is he simply adding you as an authorized user? It is my understanding that under these circumstances you are not liable for the charges. Make sure, however, that you do not use these cards at all. You can contact the credit card companies and instruct them to remove your name from the card. Have you pulled your credit report recently to see if these cards are showing up on your credit report? If the cards are no showing up, he may have only added you as an authorized user.
I agree with the previous answer in that you must take immediate action. Many credit "experts" recommend that you freeze your credit so that you cannot be subject to fraud. When you are ready to puchase an item with credit, you unfreeze your credit temporarily. At a minimum, your should place a fraud alert with the credit reporting agencies and contact the credit card companies to let them know that you have not authorized the use of the cards.
From a perspective of helping you, the advice the other lawyers have given you is correct. Report the fraud, notify the companies, and pull your credit file to see if the debts are listed as authorized accounts or as your personal debt, and dispute the incorrect information. However, if you are looking to stay in this marriage, reporting fraud could hurt your spouse and even subject him to criminal prosecution. Just be aware of the consequences before you act. Either way, it sounds like you need to talk to a divorce lawyer and go ahead and be gearing up on that front if he is doing these things just to hurt you or keep you.
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There is no way he can add your name unless either you agree or if he forges your name and commits a felony.
Your remedy to stop him is to immediately make a police report on each card, file fraud alerts on your credit report, complain to each bank, and then swear out a warrant for his arrest. You need to do this right away and not wait a long time. Once you get him arrested you can divorce him and be rid of the criminal you married. You'll want a good lawyer.
Note that if you keep allowing this to happen, everyone will assume you consented and you will be stuck with the cards and the debt. Note that you must act quickly. You can't wait for him to use the cards a lot, enjoy the lifestyle, and then complain.
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If you find this answer helpful, please mark it here on AVVO as helpful. In answering you, I am attempting to communicate general legal information and am not representing you. Do feel free to call me at 404-768-3509 if you wish to discuss actual representation (the phone call also does not retain counsel; that requires an office visit and appropriate paperwork). In that a forum such as this provides me with limited details and doesn't allow me to review details and documents, it is possible that answers here, while meant to be helpful, may in some cases not be complete or accurate, and I highly recommend that you retain legal counsel rather than rely on the answers here. (You can also email my office at firstname.lastname@example.org . An email also does not retain my office, but can help you get an appointment set if you prefer not to call).
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