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Original poster

To think this was a bit naughty of dh

125 replies

Hotfluff · 04/11/2024 16:01

hi, so I am a little annoyed with DH today. We are about to start some work on our house and over the weekend we have been discussing the way that we are going to finance it. Rather than wipeout our savings we decided that we are going to use, an interest free credit card which we will be able to pay fairly quickly. The total amount that we need is 8k.

DH works from home and has some flexibility today, so he said that he would sort it out at some point today. At
lunchtime, I had an alert from the credit reference agency that I use. It was telling me that there had been an application for credit. Just afterwards DH called me and explained that he had been able to get the full 8K in his name but had been able to get 4K interest-free in each of our names. No, I know that we are married and that the money is being used for our home, however I would have expected him to have told me before applying for credit in my name. To be clear this has never happened before and neither of us have any other debts apart from this new application. he apologised but said that he really didn’t see any issue as we had discussed that we needed the money and that we were going to borrow it using an interest free credit card. He said that he never for a moment thought I would have an issue with it, but that he will never do it again with asking.

Would you be as unhappy as I am in the scenario, or am I overreacting?

OP posts:
Mrsttcno1 · 04/11/2024 16:05

I’m unsure why you don’t feel you were consulted, you mutually agreed you needed the money, you mutually agreed how you were going to get the money and you mutually agreed he was going to do it today… where have you been kept in the dark here?

Notreat · 04/11/2024 16:05

Ir sounds a sensible thing for him to have done and it wouldn't have bothered me . But I don't understand how he was able to do it without your knowledge. I thought that the card holder would have to apply themselves

gamerchick · 04/11/2024 16:06

He should have discussed it with you. But did you assume it would all be in his name only? Dude...

TheGirlattheBack · 04/11/2024 16:06

It was a joint decision to take out a credit card. He said he’d sort it and he did. Not quite how you planned but I can’t see the issue. He called you straight away to tell you how he had secured the credit.

Not something I’d be upset about really.

Falalalalah · 04/11/2024 16:07

I don't get your outrage. You had literally just discussed getting an interest-free credit card to cover £8k for your renovations. He couldn't get all £8k in his name, so he got half in yours. You knew he was doing it, what it was for, and the credit agency alerted you as it should have. If anything, I'd be mildly surprised that it's possible to do this in someone else's name, regardless of whether you're married to them, but that's not on your DH.

Peclet · 04/11/2024 16:07

gamerchick · 04/11/2024 16:06

He should have discussed it with you. But did you assume it would all be in his name only? Dude...

Yup

Singleandproud · 04/11/2024 16:08

It sounds like you had a very clear conversation about this last night I wouldn't be upset at all. He hasn't taken out credit in your name and then spent it and left you leaving you in debt. He applied for the best credit available in both your names to finance the home improvements you both spoke about.

Kangarude · 04/11/2024 16:09

You’re overreacting. He did what you both agreed on. Why did you only want the credit in his name?

Probsnot · 04/11/2024 16:10

It also sounds like he has only applied for it?
I'd be annoyed if someone spent on the credit card possibly but not just checked that a credit card was possible in this circumstance

Swissrollover · 04/11/2024 16:10

I agree with all of the PP. You overreacted.

AutumnLeaves24 · 04/11/2024 16:13

I don't see how he was able to get it in your name, without you. But if he has, no I wouldn't think he was 'naughty' (not a word I'd used about an adult)

you'd discussed it, he said he'd handle it... yes you're over reacting.

WallaceinAnderland · 04/11/2024 16:16

How can he get credit in your name? You would have to do that yourself.

Snowyhandle · 04/11/2024 16:17

You agreed you needed the card (s) and he hasn't actually spent to money, just applied for the card?

WickedlyCharmed · 04/11/2024 16:17

I’d be absolutely fine with what he’s done, I really don’t see an issue.

HawkersSouth · 04/11/2024 16:18

Were you expecting him to shoulder the full £8k in his name?

Plump82 · 04/11/2024 16:20

If I was your husband I'd more annoyed at being described as naughty than you being annoyed at what he did. Is he 6 years old?

harvestdesigns · 04/11/2024 16:20

This is an overreaction - for PP it's easy to take out a credit card in your husbands/wifes name - applications really aren't that detailed!

You discussed how you were going to finance it, he said he would sort it, he has. He's hardly been sneaky about it has he?

TwistedSisters · 04/11/2024 16:21

You are massively overreacting.

Flopsythebunny · 04/11/2024 16:25

Mrsttcno1 · 04/11/2024 16:05

I’m unsure why you don’t feel you were consulted, you mutually agreed you needed the money, you mutually agreed how you were going to get the money and you mutually agreed he was going to do it today… where have you been kept in the dark here?

He applied for a loan in her name. How can't you see that is wrong?

Coconutter24 · 04/11/2024 16:27

Are you annoyed half the debt is in your name or that he did it? Sounds like you had a conversation it was agreed what needed to be done, he couldn’t do it all in his name so did the next best thing so you can both go ahead with your plans. The 8k debt was going to be there anyway so I’m not sure why the upset, I can only assume it’s because you didn’t want your name on it

mynameiscalypso · 04/11/2024 16:27

I wouldn't be happy if DH applied for credit in my name, no. I would be happy to split into two credit cards, one for each of us, but I would make the application for mine.

Mooburger · 04/11/2024 16:28

Another one saying I think you are overreacting. You had spoken about it, agreed on the amount and he said he would sort it, it's split evenly for the best deal available.

Wishimaywishimight · 04/11/2024 16:52

Wouldn't bother me at all, I would just be happy he hadn't left it to me to sort out. If you trust him why would it be a problem?

NeedToChangeName · 04/11/2024 16:55

He shouldn't have applied on your behalf. Should have done that together

But, he's apologised. If you think he understands why it was wrong & won't do it again, I'd let it go

StormingNorman · 04/11/2024 16:56

You did discuss it. You agreed to get 8k interest free on credit to pay for renovations. You agreed he would be the one to arrange it. He did and he got the 8k interest free as planned.