We encourage all LBS to protect themselves financially because you really cannot trust the WAS not to take out money when they do it all the time under the cover of darkness.
As for credit cards, you do know that closing out credit cards will affect your scores. Take a hard look at them and determine if that's the best path forward for you. If you do see suspicious activity on any of those cards, then you know W has been using them and you would want to close them out.
If those cards are in your name, I would talk with each credit card rep and inform them to remove W name as an authorized user. This means only you can use the card and you can ask the credit card rep to put down that only you will be allowed to use those cards.
That one joint card is something that you can try to get your name removed. If not successful, then just close it.
Do your homework before closing out any of these cards. If I were you, I'd keep the cards in your name and just ask the reps to remove W's name as an authorized user.
This way, you get to keep your cards and your credit score will not take a hit.
