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Original poster

Dh’s credit card

10 replies

Extensionleeds · 08/09/2024 15:23

So annoyed with dh. I’ve found out that his credit card is nearly maxed out at 10k.

he’s a lovely guy, great dad/husband but he’s so shit with money. I’ve seen the statements abc it’s just general day to day spending. It’s accruing interest too. He’s so disorganised and has made a couple of late payments. This has prevented him from getting a 0% balance card. It appears I can’t either, possibly due to my association with him!! I’m pissed off with that.

I think he’s probably got ADHD or something similar as he’s so disorganised. He has a good job/income so can afford the .

i can’t believe he owes such a huge amount!!

OP posts:
DustyLee123 · 08/09/2024 16:33

I hope your house is as tenants in common, so that your half can never be touched for his debt.

Original poster
Extensionleeds · 08/09/2024 16:35

DustyLee123 · 08/09/2024 16:33

I hope your house is as tenants in common, so that your half can never be touched for his debt.

That’s only an issue if he dies isn’t it? I mean I’m annoyed, but not that annoyed!!!

OP posts:
DustyLee123 · 08/09/2024 16:35

No

Doggymummar · 08/09/2024 16:38

My ex husband ran up debts and I was responsible jointly for paying them back. It took my six years 😭 and that was with an IVA. Ask him to cut up the card and set up a DD to pay it off, or shift it to 0pc one if you can.

NoSquirrels · 08/09/2024 16:48

If the credit card is in his name, it’s his debt. You don’t currently need to worry about your home, that’s a bit catastrophic.

But you both do need a budget and a system it you’re married and therefore tied to each other financially.

He needs his credit card(s) on a direct debt to pay at least the minimum payment, ideally much more than the minimum.

You need a joint plan to pay off debts and share household finances transparently.

And he needs to stop swiping a card and live off his debit card account instead.

Original poster
Extensionleeds · 08/09/2024 16:48

Doggymummar · 08/09/2024 16:38

My ex husband ran up debts and I was responsible jointly for paying them back. It took my six years 😭 and that was with an IVA. Ask him to cut up the card and set up a DD to pay it off, or shift it to 0pc one if you can.

Can I ask how much?

OP posts:
NoSquirrels · 08/09/2024 16:50

DustyLee123 · 08/09/2024 16:33

I hope your house is as tenants in common, so that your half can never be touched for his debt.

Just to be clear, for unsecured debt (credit cards), the house cannot be touched. If borrowing is secured on the house (mortgage, second charge loan) then this is the only time it would be an issue to be joint tenants.

Doggymummar · 09/09/2024 18:16

Extensionleeds · 08/09/2024 16:48

Can I ask how much?

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110k

StormingNorman · 09/09/2024 18:22

I kept forgetting to make payments on my credit card. When I saw the impact it was having on my credit rating I set up a monthly payment via the app. I Haven’t missed a payment since and my credit score is recovering.

Maybe suggest this. Also you holding the card so you have it for emergencies in future. Or he cuts it up.

Original poster
Extensionleeds · 11/09/2024 09:16

Doggymummar · 09/09/2024 18:16

110k

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so sorry that you had to deal with that x

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