My wife has a credit card...

TBeckett100

I think the bigger question is what has she been buying? If she is comfort buying, you may have marriage issues which needs futher investigation.

If she is bringing up your child and can't work, you shouldn't be too hard. Everyone is human.

gik

Where do you think 2.5k of stuff mysteriously appeared from in two months?

Dobbibill

This needs to be addressed but dependent on what your financial set up is with
you OH depends on the best steps forward.........

Do you have joint financial products (joint current acc or mortgage)

If you do then if she defaults or goes onto a DMP then this will affect your credit worthiness and possibly lead to you not being eligible for products either - if this is the case then you need to discuss a budget and maybe have equal money for yourselves each month but with her taking responsibility for the repayment of the CC debt (eg - both have £100 per month but she has to use £20/£30/£50 whatever the amount out to make payments to the debt) - these are obviously fictitious figures for examples

If you have no joint products and no intention of having any in the next X amount of years then it is her choice what she does, you are not responsible for the debt, she is.

Has she been able to explain where she has spent this money?

Some people just do not understand a 'tell me' situation and only ever learn from a 'show me' - it is hard, it's called tough love but bailing her out every time is not helping her to address 'how or why' and that every action has a reaction

Good luck

DB

Blackpool_Saver

Does she have any money of her own? do you keep her short?

wubbles

I reckon she's been going on them bingo sites you see on the telly.

Evil they are.

duchy

I think I'd be looking at what she spent the money on - and why.

Eg if she was buying designer handbags or clothes for your children.
You sound quite controlling about money - perhaps you've overdone it and left her so short that the card is a reaction to this. Only you know if this could be the case though.

adindas

stevet1970 wrote: »

I have accepted this fate but I am absolutely certain after looking in to it further that my wife did not apply for this card fraudulently by lying about her income or status or anything like that - the bank just sent it to her when she clicked the "upgrade account" link.

Having a lot of experience applying various creditcards as well as knowing NW for many years from banking with them, it is highly unlikely a person will get a credit card just from an account upgrade. An account upgrade and getting approved for a creditcard are two different things. You will need to at least agree their T&C to be approved and to be sent a creditcard. A reputable lender like NW is not a loan shark. In majority of cases you even need to prove and/or to convince them that you will be able to manage your credit within the limit. How many people have applied for a mainstream credit card and how many get rejected ??

I agree with other people opinion, that the bank will have no idea of what other source of money (or income) she may have access to. She is a consent adult the bank must think she is responsible enough to be offered a credit card with that linit. Also you could always reduce the limit, or cancel your credit card anytime (not just the coooling off period) without incurring a fee.

So I just wonder why some one is tryimg to blame the bank for this behaviour instead of blaming her for her irresponsibility.

chattychappy

OP you are ahead of your time. In a few years' time based on the NW's "irresponsible lending" you'll be able to write of the debt and get compensation for the upset caused to you and your wife.:D

But, we're not there yet. Lots of relationship advice here (which perhaps you didn't want), but I don't see you have any remedy against NW. I do wonder if your wife told you the whole story about the upgrade, but nothing really turns on this anyway.

JournalGirl

If I was a wife, looking after a man's children, and the only money he allowed me access to was child benefit, I think I would be tempted to snatch a little freedom myself if the opportunity presented itself.

[Deleted User]

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