Our finances are already separated, the Credit card is under her name and I was added a while back, I gave her back the CC when we separated but it still shows on my credit report.
I want to work things out and have talked to her about having better communication but she just doesn't want to talk, text, etc. its almost like I don't know who she is.
Until you have a legal separation document ... no they are not ...hence why it shows on your credit report, Your W's spending will take you down along with her.
I would close that CC with a quickness, get a legal Sep Doc in place to protect yourself.