To not use credit card DP has issued in my name

You seem to be extremely afraid of credit cards, as if just bring in possession of one puts you in danger of being saddled with debt.

Remember, the card itself has no power to put you in debt. None.

Some people view a credit card as 'free money' and don't think about the fact that they are actually borrowing from their future selves. They get in a cycle of living far beyond their means, paying massive amounts of interest they can't afford and their future selves struggle to ever pay off that.

You do not need to spend any money you don't have. You will not incur any interest if you pay in full every month. You will benefit from cash back/rewards. And you will benefit from additional insurance. Your DH has not done a bad thing here.

Just remember if you are buying anything over £100 you don't get the usual credit card protection as a second card user.

Unless you can prove it is also in the card holder's benefit, eg a holiday deposit they are also booked on.

Also if it makes a difference we only use the benefits and points etc on whole family things like days out/ flights/ holidays etc. It’s not like I’m earning all these points and he’s then making bank off my spending. For us it’s like a family bonus so I don’t feel bad at all contributing when I’d be spending anyway.

I do exactly this with my husbands Amex - it’s a card in my name on his account. He’s right it makes sense in that things I would be spending a way we earn cashback and points and use it for nights away, holidays etc. I don’t have an issue but then again my husband was very clear about it and asked if I wanted a card in my name and I’ve got the app set up so I can see it all transparently too.

He gets notified obviously when somethings put through and then I’ll either transfer him money right away to pay it off, or not (depending whether it’s a family thing or something for me/ my work etc). We get a lot of benefits from the card itself so I don’t have an issue but can see why if it’s been forced on you without discussion it is a bit off.

Just remember if you are buying anything over £100 you don't get the usual credit card protection as a second card user.

You’re being really, really silly.

This is a really normal and safe way to pay for anything.

people who do their main spending on debit cards are nuts.

It’s so dangerous to have all your cash for the month sat in one account. If anything happens to it, fraud, card cloning, theft- it’s your cash gone missing and so much harder to resolve.

I wouldn’t be happy with this being presented to me after he obtained a card with my name on it. He should have asked you first.

Are the credit card benefits going to be shared?

Personally I think you are being a drama llama.

I use my credit card for all spend because a) it has better consumer protection and b) I get cash back.

I clear the balance every month.

DH has a credit that gets e tea club card points.

I've been thinking about the Amex card for avios points.

You are missing out on good deals and consumer protection through your prejudice against credit cards.

Chill

he wants avios and free flights

its fine

@Crumpleton Amex is much more widely available than it used to be, we have a Barclays BA card as our back up for when Amex isn't accepted but we very rarely have to use it, especially when you can often get around the issue using PayPal and Amex together.

Please don't put the business spending on his personal credit card.

Putting the joint account stuff on it is fine. The business stuff is a bit weird.

DH has a credit card. I have a card in my name. We spend everything (except DHs work expenses - they go on a seperate credit card so he can track them) on the credit card, and get cash back on everything. It only works if you pay the card off in full every month tho. Otherwise it costs more than you gain.

No
We , i had a partner card for one of out credit cards. We remortgaged and used part to pay of the cc debt and I had to pay a seperate lawyer to give me legal advice because i was taking on his debt according to the mortgage company. The case law to do with undue influence (Etridge) but they said despite the fact most of the spending on the card was probably mine, it was not my debt.

How do you make money on interest from a credit card?" well we make money on ours on cashback on the Amex which pays for our Costco membership as we also get 2% cashback for being an executive member of Costco too.

Our local Costco (UK) stopped excepting Amex some years ago.
Other shops don't except it either.

I'm not against credit cards, use one myself and pay in full every month but for the above reasons personally Amex wouldn't be for me.

What is normal appears to be slamming everything on credit cards and feeling ok because you always pay the balance - but you are also almost certainly spending more than you would if you used debit cards or cash.

Some do but a lot of us dont, we only use ours for things we would spend on anyway such as holidays etc and as we pay it in full we cant spend more than we can afford

No, it means she could hammer this card though and he is liable (not suggesting you would OP)

@Maray1967 I am not building wealth using airmiles or cash back but it is part of a larger get what you can for free picture. The same as loyalty cards, they get your marketing information they give you discounts, Boots, Sainsburys' Nectar etc. I also do Google opinions which pays me to upload a photo of my receipts. That has paid for audiobooks and films to rent.

You can bet your arse that I use Santander bank account that I pay a monthly fee on but make more money on their 1,2,3 cashback scheme. Dh and I have always been on the same page money wise and we are savers then spenders. We have no credit card debt in fact no debt whatsoever, we own our cars outright bought cash from savings.

I do like Dave Ramsey and I agree with pretty much everything he says except on credit cards.

As a couple I’d be expecting us to ensure that both of our pensions were well funded, our credit score was good etc.

if he is really affluent with his income I’d be hoping he’d help support and top up his wife’s from their household income. I would if it was my partner. She’s stayed at home and enables him to work full time and taken on the home and children duties yet is also in a more vulnerable financial position as they aren’t working as a team financially but as two separate folks sharing a home and a few costs.

@Maray1967 "What is normal appears to be slamming everything on credit cards and feeling ok because you always pay the balance - but you are also almost certainly spending more than you would if you used debit cards or cash."

this is nonsense. I'm buying what I'm buying. Putting a travelcard and supermarket shopping on a credit card gets me cashback. I don't spend what I haven't got.

@Passthegin99 OP the problem is he didn't ask you.

Nope, we spend exactly the same, just channel it through a cashback card. Now my current account is paying 1% cashback, I'm using that. It all adds up.

However, it's a jointly-agreed thing & we have shared money.

I can see the Op's point.

What is normal appears to be slamming everything on credit cards and feeling ok because you always pay the balance - but you are also almost certainly spending more than you would if you used debit cards or cash.

This is a very juvenile point of view, I budget extremely carefully, I have a spreadsheet and account for every penny spent. Credit cards make my money work harder, they don't make me overspend.

Do you both contribute to the joint account in proportion to your incomes?

No its the opposite. If the OP goes on a wild spending spree & refuses to pay then her husband as account holder is liable

@MILTOBE "How do you make money on interest from a credit card?" well we make money on ours on cashback on the Amex which pays for our Costco membership as we also get 2% cashback for being an executive member of Costco too.

We also have a Tesco credit card and literally anything we have cash for we use the credit card instead. It is paid in full automatically from our joint account. But if we buy kitchen appliances, a new car, anything big we put that on the credit card and then move money from our savings to the joint account to cover the payment. This includes car insurance, house insurance, things that are automatically taken via credit card. Plus the usual monthly food shops, clothing, petrol etc.

The Tesco Clubcard vouchers have paid for hotels in Florida, places like Legoland, Disney + subscription, RAC membership, we have literally had thousands from them, for free over the last 20 years we have had it.

It is money for nothing if you are good with money and are not tempted to just pay the minimum amount.