Credit card debt

[DustyLee123]

Our relationship is hanging by a thread anyway, and this might be the final straw, so came here for opinions. Yesterday DH dropped the bombshell that he has a £6000.00 credit card bill (well that’s what he admitted to).I thought the money going out the joint account was him paying the balance off each month, but obviously not. He used to buy things off eBay/auctions as a hobby, and could have sold those to pay some debt, but chose not to and collect interest instead.
He says it his debt so none of my business, but if debt collectors were to look at taking the house/car, that would affect me. I think as we’re married it is my business. Your thoughts?

How much is it relative to his salary? So you're paying for it was well if it's the joint account?

I've read some eye watering amounts of debt on here but from very high earners.

He needs to pay it back himself, for starters

You’re absolutely right that it is your business. You and your husband are a legal entity and as such, were he to default payment, then the creditor would come after you. You are jointly liable.

Credit card debt is not secured debt so they won't be taking houses or cars to pay this. Can you get him to talk to step change to help sort this out? He may not feel able to tell you the exact extent but they are impartial so he may feel under less pressure being honest with them. When I was £16k in credit card debt I was ashamed and felt unable to tell my family. It wasn't because I didn't care about them or enjoyed being dishonest. There's a lot of stigma attached to debt and there shouldn't be. It's not a crime to have debt.

Completely incorrect.

It’s not a crime to have a debt, but I personally think it’s dishonest in a marriage. I’ve been married a long time and still feel like we should be a team, not two separate entities.

Has he got a relatively good salary? Hope you have now insisted his repayments don't come from joint money.

His debt, he repays it.

I don't know about any wider issues between you two but I would want to know what he spent it on, if you are both comfortable enough with income/outgoings

Utter rubbish!