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Feeling a bit hopeless & in need of advice
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Get shot of Very first as the APR is horrendous.
I'd specifically ask your partner to pay half of that ASAP to enable you to manage the rest better, regardless of whether you add the cards back into joint account. At the current rate you'll never clear it.If you've have not made a mistake, you've made nothing3 -
You don't need to add the card back to the joint account before tackling the debt together, he needs to be (at least) matching all your payments to pay off the debt, regardless of the mechanism.
Statement of Affairs (SOA) link: https://www.lemonfool.co.uk/financecalculators/soa.phpFor free, non-judgemental debt advice, try: Stepchange or National Debtline. Beware fee charging companies with similar names.3
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