There should be no increase in credit limits on joint accounts unless both parties agree.
The problem with joint accounts is you can't get out until they are at zero and the person racking up the debt won't zero because they'll be on the hook for all their debt. I know this can be difficult for an abused partner but I would advocate having a personal account and moving to at a different bank that any joint accounts are held at should problems arise.
https://www.cbc.ca/amp/1.4604972
I live in a small Canadian Prairie city with a spouse and a dog. We retired in 2018. This is what life is like.
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