How to approach husband about credit card debt

AutumnLeaves

swingaloo wrote: »

Perhaps I would be a bit sneaky about it.

If you don't think he will open up and agree he has maxed out the cards then maybe next time you are out together conveniently 'forget' to take your purse and ask if you could buy an item using his credit card and tell him you will pay him back.
Or perhaps ask him to pay the balance of your holiday on his card and then give him the cash, just for that extra bit of insurance you get when paying by card.

Thanks Swingaloo, I quite like that idea He'd been really confused then, as I'm always the one to put large items on my card - but I make sure it's paid back the next month :rotfl:

Fireflyaway

I have a different take on this as someone who has hidden debt in the past. I used credit cards and loans and it was for a bit of a twisted reason! My husband was working very long days and studying in his spare time. He wanted to be able to provide for his family but at times felt frustrated that he never seemed to have spare money. I truly felt sorry for him and wanted to help. I took care of some of the extra bills rather than ' worry' him or make him feel inadequate. My intention was to pay off the cards but my income wasn't great and there always seemed to be another bill. I never sneakily bought handbags or makeup. I did it with good intention but it wasn't the right thing to do.
Your situation may be different but its just a thought. What has been spent on the cards? Is your husband treating you? Does he buy himself little things? Could be he is sick of working but having no rewards? Or are you living above your means without realising?
He might Dodge your questions out of embarrassment or fear of your reaction. He might not want you to worry.
Maybe suggest you both enter a plan to work on debts? Checkout Dave Ramsey on YouTube. Both be honest and work on it together. Don't tell him off or send him on a built trip. His intention might haven been good.