DH’s credit card bill half his monthly wages

[Byteatreeoil]

My DH takes home about £4500 every month. However each month his credit card bill is over £2000 pounds. AIBU to want to know what this money is being spent on. I know there is usually some genuine household expenditure on his credit card but nowhere near as much as the bill. He stopped receiving paper statements years ago so I have no idea where most of this money is being spent on.

Yes he spends over 2k each month and pays it all from the joint account!

Really??? Hard to pretend you’re not a drug dealer when you get arrested if there are loads of card payments from your customers. Sounds like a poor strategy to me.

There is no way my husband or I would take £2k out of the joint account each month that the other didn't have a solid idea of what it was spent on.

I'd change your financial arrangements.

Perfectly reasonable to want to see the bill if you’re pooling all money and have joint finances - my DH and I only have a joint account and joint money and yes, I expect to see what’s on his credit card bill if I ask. I don’t usually ask, because it’s almost certainly petrol, groceries, kids clothes, the annual holiday, stuff for the house, car related stuff, school lunches, kids activities, insurances, subscriptions and other ordinary things - we put everything on the card then pay it off each month, might as well get the points. If those things are being paid from elsewhere then I think it’s completely fair to ask what he is spending on, presumably just for himself.

Also if drug dealers took card payments, wouldn't the tax office want to know where the money was coming from?

Certainly seems like an unnecessary paper trail.

My DH earns a good wage but has big credit card debts, which are for expensive hobbies like motorbikes, having the best walking gear and so many bloody gadgets! Xx

I assume your joint account isn't going overdrawn each month so effectively £2k of what should be going into your savings is being spent by him on who knows what? No I would not be happy.

Does he have expensive hobbies? Go out a lot after work? Expensive tastes in clothes etc? Do you think it could be drink, drugs, gambling, strippers?

Where I live they take bank transfers and everything! Madness!! Not heard of them having card readers though.. mind you you can use your phone as a card reader now (found that out in our local tea room!!! About the phone not the bank transfer for Colombian marching powder like!)

I would possibly also look into gambling. Xx

Start taking the same out for yourself?

Does he get avios for using the CC?

if not I find this very suspicious

a recent report said if you think your husband is up to no good look at his financials - he is hiding his from you

Why on earth is the OP looking at her husband's private credit card bill?

Could be a sideline alongside a legit business. Declared as additional income to the business and paid tax on.

She sees the amount being transferred out of their joint account she doesn't see the bill

Yup

Because they've agreed to share finances and he's spending £2k of what should be their money on his own non household spending.

You can’t spend money gambling on a credit card just fyi. He could technically walk into a shop with money withrdawn from
a card, but online it’s not possible.

Not a chance in hell would my husband be taking £2k a month out of our joint account unless I knew exactly what it was for.

Well as he's not getting paper statements he must have am account online that he can call up and you can look at.

Bloody right I'd want to see WTF he's spending such large amounts every month!

I'm confused as to why so many people use credit cards. If someone spends only half their monthly earnings, and pay off the balance each month, why not just use a debit card instead of a credit card? We use debit cards, and put the surplus into our own high interest savings accounts.

Is he bringing back any shopping regularly? Clothes, suits, hobbies?

Is he the type to get suckered into online trading?

Yup, I have two cards that both earn cashback, so I use them for pretty much everything, and it makes everything fractionally cheaper.

I'd be concerned he had a secret life/ another woman and was using it to fund that. No way would DH take 2k out of joint account without me knowing exactly where it was going.

It is not private if being paid off from joint funds. Or should not be anyway.