credit card web

[chrish3985]

Alabama. I've had it with my wife’s irresponsible use of credit cards. She charges things and gives no thought to how she'll pay for them. We have gone through several cycles of her racking up dept she cannot pay. I agree to pay it if she destroys the card. Card destroyed. account deactivated. Then later, she reapplies for another card at the same company, or a new one. Cycle starts over again. I earn 96% of the income. Besides a joint mortgage, we have no dept. We live pretty poor. Struggling from paycheck to paycheck. Almost no savings. No in discretionary spending. Although things used to be better.
I always pay my credit card bills when they come in. Never allowing it to go into interest payments. So my credit is really good. But I would be willing to trade that for credit denied when requested, due to my wife's irresponsibility. Is there some way to separate our credit? Mine from hers? I'm sure if I don't step in and cover her dept, it will be a matter of time before she ruins her credit.
The results I am looking for are similar to the credit someone would get if they had gone thru a bankruptsy. Only I don't want or need to go to bankruptsy, just some way to get some relief from the wife’s thoughtless credit card spending.
I’ve tried to talk to her. It does no good. I don’t want a divorce, just financial fidelity.
Forgive me if I put this in the wrong category. I'm not sure where to put this.
Thank you for your time and help.

 

[HomeGuru]

Alabama. I've had it with my wife’s irresponsible use of credit cards. She charges things and gives no thought to how she'll pay for them. We have gone through several cycles of her racking up dept she cannot pay. I agree to pay it if she destroys the card. Card destroyed. account deactivated. Then later, she reapplies for another card at the same company, or a new one. Cycle starts over again. I earn 96% of the income. Besides a joint mortgage, we have no dept. We live pretty poor. Struggling from paycheck to paycheck. Almost no savings. No in discretionary spending. Although things used to be better.
I always pay my credit card bills when they come in. Never allowing it to go into interest payments. So my credit is really good. But I would be willing to trade that for credit denied when requested, due to my wife's irresponsibility. Is there some way to separate our credit? Mine from hers? I'm sure if I don't step in and cover her dept, it will be a matter of time before she ruins her credit.
The results I am looking for are similar to the credit someone would get if they had gone thru a bankruptsy. Only I don't want or need to go to bankruptsy, just some way to get some relief from the wife’s thoughtless credit card spending.
I’ve tried to talk to her. It does no good. I don’t want a divorce, just financial fidelity.
Forgive me if I put this in the wrong category. I'm not sure where to put this.
Thank you for your time and help.

**A: cancel all her credit cards and give her a checking account with a debit card cash controlled by you.

 

[ecmst12]

Expect HER to divorce YOU if you try to be that controlling of how much money she has access to.

 

[jumac]

Eather put up with it or divorce her. If the cards are in her name only they can't destory your credit score but if she dosn't pay them and you decide not to then the CC could start collections and after a while go to court and put a lein on anything she owns even if you own it to.

You gota decide if your marrage is worth the stuff shes doing. If not I would say get her to destory her cards pay them off then file for divorce and try to get in the paper work that any new debt started after that date is the responablity of that persons who name is on the debt.

If you wana keep the house safe get her name off the deed asap if its not.

 

[FarmerJ]

Contact the credit reporting agencys and see if you can even with a fee have a lock placed against any one who seeks to run your credit with out your consent, there may be subscription based services that can do that. If you go that route make your pin long and complicated or something only YOU would know of. Yes it likely is going to make her mad but it may be the only way to stop your credit information from being used against your wishes. Will she find out , I suppose the first time she attempts to apply for new line of credit either they will deny or give it to her based only on her info.