Is dh BU ??

[Changing83]

Hi,

dh and I have a bit of credit card debt- 4K. It was accumulated due to running out of money on our house renovations. It was 12k but we’ve hammered it down to 4K using 0% balance transfers (all in my name).

our current 0% deal is about to expire. Dh has had an offer from him bank for 24mnths 0% for balance transfers which be more than enough time to clear the 4K.

I asked dh to sort the transfer but he said no… because… he doesn’t want it in his name!! WRF

if it was money that I’d pissed on clothes etc then I’d get it, but it’s money that we spent on our home!

is he being a twat?

I didn't think you could balance transfer into someone else name - though I could be wrong.
Not wanting the debt in his name is a shocking attitude to something which was jointly accumulated - does he have any other debt you don't know about?

His attitude is shitty but I think the pp is correct, when my friends husband did this he had to do it as a payment ~ pay the one in friends name off with his new 0% card then pay it down.

You can’t transfer it into his name

Hi, he has a 0% money transfer option so he could transfer it into his account and then pay the cc off

They are offering him an interest free loan basically?

yes, he is being a twat.

you should be working together on your financial future

I thought you could transfer a balance from someone else's card. But he needs to check the T&Cs to be sure.

But yes, he is being a twat for not wanting debt in his name. You've had the debt for most of the time so why can't he do his bit for the last third and use the good offer he has?

Are you both contributing fairly to household finances including this debt? Paying all joint costs out of joint income? If so, does it matter whose name the debt is in?

@Changing83 cut up the card in your name, pay off the £4k. The next time he or both of you want to put something on a credit card tell DH it can go on a card in his name - if he doesn’t like it then you don’t buy it.

Yeah, that's pretty twatty.