To think this was a bit naughty of dh

[Hotfluff]

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?

He sorted it out 🤷🏻‍♀️ I thought this was going to be ‘and he got an additional £4k which he’s spending on a new bicycle and associated MAMIL gear’ (no idea if £4k is even enough tbh…)

I am really confused by what you expected to happen when he said he would sort it. Because he seems to have done what you agreed on?

What were you expecting him to do?

You can't apply for credit in someone else's name. It's fraud.

Read my response again and you’ll find the answer to your question. He’s done exactly what they explicitly agreed on.

I think you're massively over reacting tbh.

I don’t really understand the issue here, can someone please explain?

is it that you wanted it to be a joint account?
is it that he couldn’t get interest-free under his name alone, but could separately?

Not unreasonable at all. I'd want to know in advance even if we had agreed that we were going to borrow the money in advance.

Anything whatsoever in my name should have a clear agreement before hand. And if course it works both ways.

Erm... rather staggered by all the posters saying this is okay. It is not.

The only way he could have done this is to pretend to be you on the application. What he has done is fraudulent and illegal.

If I was your DH I'd be very annoyed that you were being aggy when I'd sorted stuff out so well. If my DH had done that I'd be thanking him for sorting it out and saving me the hassle.

I don’t understand. You asked him to apply for a credit card to fund £8k. Is it that you wanted him to take the credit on alone?

I think you’ve massively overreacted. The plan, and your agreement to it, could hardly have been clearer.

I'm not sure you do. I get interest free cards quite regularly and there isn't really any verification, apart from the fact the card and pin goes to my own address. If someone knew all my details I'm pretty sure they could do it.

Very occasionally a card has wanted photo verification (upload a selfie + your ID) but that's unusual.

What he has done is against the law.

hth

These are some legalistic couples…is now a good time to mention I open my husband’s mail from time to time? 🫢

Did he sign your name on your behalf? Not ok.

Yes , this ^

Is it YOU who are being a bit naughty/manipulative, OP?

No one is allowed to take out a credit card in someone else's name. It's literally fraud. I would have expected a heads up at the very least.

He was sensible
Why pay interest if you don't need to .

I agree with this.

Quite apart from the legality of what he has done, implicit consent isn't good enough.

What if he had put the entire 8k in the OP's name?

TBH I’d be really bloody happy that DP had actually done something he’s promised to do! Mine would have stopped at the first hurdle and left it all for me to sort out

It just sounds like a misunderstanding - he thought she had agreed to him filling out the forms on her behalf, which I don't think is fraud, people fill out forms for family members all the time, it's only fraud if they don't have permission or are trying to scam them.

She obviously didn't think that was what she had agreed to.

Based on the OP's account, I don't think her DH was unreasonable to make the assumption he did.

If you're not happy you can always cut up the card when it arrives and never use it. Make sure you log into the account for your card and change the password so your husband can't do anything with it.

You did discuss it. Last night. He has arranged the credit card loans in the only way available to him.

Maybe he should just have given you a call this morning to appraise you of his investigations before going ahead, but I think you are going a bit far with the outrage. You can surely still pay the cards off in the same way as you were already planning to do, so the end result hasn't changed.

So you wanted it just to be in his name?

So you expected him to put the full 8k in his name while you reap the benefits of it.