Active discussions

Meet the Other Phone. A phone that grows with your child.

Meet the Other Phone.
A phone that grows with your child.

Buy now

Please or to access all these features

Talk
AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

To think this is what the Credit Card is for?

97 replies

BitterSweetSound · 26/02/2018 17:01

I have a really painful tooth, suspect I may need it removing as I've had problems with this one before.

We don't have £70-100 (band 2 treatment) lying around for me to have the treatment but do have a credit card with £300 limit spend on it for "emergencies". We can pay the minimum off on it each month if we cut back a bit and we'd be debt free again by Christmas.

DH thinks that this isn't what the credit card is for and I should wait what could be months until I can afford it - last time we needed to pay it off he had to stop smoking so we could afford it (we spend £10 a week on cigarettes for him!) so that would be the first thing I'd expect him to give up in order to do it. He's usually a great man and a good dad to our DD but he is very addicted to his cigarettes (and before anyone asks he never smokes in the house or garden, never in the car, and never when we're out with DD - if he needs one he has to make arrangements to have one away from DD without leaving us to do a family activity without him - basically I make it as difficult as possible for him to smoke but he still does)

So AIBU to think this is what the credit card is for? Or do I have to wait until I can afford it

OP posts:
Original poster
BitterSweetSound · 26/02/2018 17:59

Not sure how I'd find a dental hospital.

Of course I have treats occasionally but not £10 a week, and I'm perfectly happy to go without if DD needs anything I'd give up my treats without a second thought.

OP posts:
greathat · 26/02/2018 18:00

You h is a twunt. That's what the card should be used for. If money is so tight he needs to quit smoking. Especially if there's little ones being exposed to it

MorelloKisses · 26/02/2018 18:01

It’s terrible that he’s happy for you to be in pain.

fruitbrewhaha · 26/02/2018 18:01

Could the dentist set up a payment plan of £10 a week?

I can't believe you DH would rather kill himself with cigarettes and pay for you solution to pain.

fruitbrewhaha · 26/02/2018 18:03

*your.................your

GnotherGnu · 26/02/2018 18:07

Something tells me that if he were in half the pain you were in it would be a dire emergency.

Rachie1973 · 26/02/2018 18:09

Get the dental work done. I'd rather give birth than have toothache.

Sgtmajormummy · 26/02/2018 18:10

This is precisely what a credit card is for! In our case if you pay it off straight away, you can get a 45-day loan free of charge. You’ve already paid the annual fee.

I use it for
group expenses (one booking fee for theatre tickets etc) where the others pay their part to me in cash,
business expenses (entertaining) where I’m reimbursed immediately but the cc goes out the following month,
for prepaying holiday activities so my cc has lots of margin the following month for car hire etc.

Used properly it’s a very useful thing to have.

Summercat · 26/02/2018 18:11

@Bittersweetsound

As an aside OP, if you are on fairly low income, you may be entitled to NHS dental costs help.

Get an HC1 form from the pharmacist or doctors. You may end up getting some money off. Smile

It may not get to you in time (this time,) but could help with further dental costs, or prescription costs, or optical care.

www.nhsbsa.nhs.uk/sites/default/files/2017-05/HC1-health-costs-help-claim-form.pdf

I hope I haven't offended you with this. Flowers

Also, I wanted to second asking the dentist if you could pay i instalments...

NailsNeedDoing · 26/02/2018 18:11

Yes you should have the dental work done as soon as possible, on the credit card if need be, but no you can't expect your DH to give up smoking for it.

It's not his fault cigarettes cost so much, he was probably already addicted back when they were less than half the price they are now. If he was a smoker when you met, yabu.

Bluelady · 26/02/2018 18:14

Of course it's what it's for. What's this if it isn't an emergency?

CoffeeOrSleep · 26/02/2018 18:15

Nails - I can't help thinking that smoking, when you have no savings, when you have a child, when you aren't addicted so much that you can stop to save when you need to, is incredibly selfish.

When DH met me, I had gel nails, a hairdo that cost £200 every 6 weeks, regular facials etc, but then our finances changed and I stopped spending several hundred pounds on myself each month, I didn't say "tough, everyone else has to go without so I can maintain my habits".

They simply can't afford for the OP's DH to smoke if they have 0 savings. It is incredibly selfish of him to make everyone else suffer for his habit.

bimbobaggins · 26/02/2018 18:18

this is absolutely disgusting behaviour from your dh. He’d rather see you in pain than help you out.

Not sure why you even asked him. Go and get it done.

overnightangel · 26/02/2018 18:20

If you can’t use a credit card for £100 on your health and well being and alleviating you being in pain it’s pointless having one.
Your husband sounds lovely Confused

DagenhamRoundhouse · 26/02/2018 18:23

Check the dentist accepts credit cards! I just had two teeth out and it cost me a total of £35.70 for both extractions (NHS). Private dentist quoted me £150 per tooth!

Original poster
BitterSweetSound · 26/02/2018 18:26

Dagenham I can always withdraw the money at my bank as I got through them.

OP posts:
SluttyButty · 26/02/2018 18:31

@ Dagenham where do you live that your treatment was such a low cost?

PerfectlySymmetricalButtocks · 26/02/2018 18:32

YANBU. It's an emergency. Show him this thread.

screamingskull · 26/02/2018 18:36

en.wikipedia.org/wiki/List_of_dental_schools_in_the_United_Kingdom

If you copy and past this link it will show you where has dental hospitals, hopefully one is nearby you x

ArchchancellorsHat · 26/02/2018 18:38

Your DH is being a selfish arse. Would it be an emergency if it was his tooth? Yes, you need to see the dentist and have the recommended treatment, he can either cut down on his habit or do without.

Kannet · 26/02/2018 18:41

Please don't withdraw cash on your credit card. It costs so much more to do that

Idontdowindows · 26/02/2018 18:42

Wow.

He's no prince, is he? He prefers that you stay in pain for a few months so he can have his cigarettes.....

Whatshallidonowpeople · 26/02/2018 18:44

Presumably you've been saving the amount you'd be using to pay off the card since you paid it off last? So just dip into that and save all the interest costs

DextroDependant · 26/02/2018 18:44

If you dumped your selfish husband you would probably qualify for free dental treatment and help towards your nursery fees.

overnightangel · 26/02/2018 18:45

Why stay married to a man who values cigarettes over your health?