Quote:
Originally Posted by noppenbd
In my understanding, as an authorized user you are not responsible for paying the charges on the card (since AUs do not have to sign anything when the account is opened they are not responsible for paying the debt). However, your credit score could be hurt by having a delinquent account or high balance on it. To solve this you could ask the CC to remove you as an authorized user.
However, the elephant in the room is your financial relationship with your DH. It sounds like you do not trust him and IMO that is the bigger issue. If you cannot trust your spouse to spend responsibly then you have a serious relationship issue, not a money issue. Whether you like it or not, you are financially tied to this person and you need to talk about it together and get on the same page.
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Noppenbd- you are always so helpful, I just had to tell you that. Yeah that is the elephant, my DH has burned me a few times when it has come to $, so (once bitten twice shy or waiting for the other show to drop) comes to mind. I just dont know what to do about it because my Dh is an Orange personality - live for the moment, spender, party guy; and I am a Gold- Structure loving, saver.
Quote:
Originally Posted by jIM_Ohio
Your married- his debts are your debts. For better or worse.
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jIM_Ohio- Yes I am married, We have no debts anymore (besides the mortgage) and I am doing my best to try to keep it that way. I just do not know how to get my DH on the same $ saving mind set, so I am in a prevent fallout mode. That is why I want to find a way to reduce the temptation of the unrealistic credit card limit, or if I cant do that to reduce the aftermath.