Spouse opening new credit card accounts

Dear Experian,

I’m pretty much sick of credit cards, and I’m paying off all my accounts. My wife agrees with me but opens new ones whenever she feels like it. Is there a way to keep her from doing that?



Dear NLI,

Rather than being sick of credit cards, it sounds like you are sick of credit card debt. While carrying too much credit card debt causes both financial and personal stress, credit cards can be a valuable financial tool if they are used wisely. That means using them thoughtfully and paying the balances in full regularly, if not every month. And, that is what you are trying to do.

Unfortunately, it sounds like your wife agrees in principle, but perhaps not in spirit. She may have emotional issues tied to her credit use that need to be addressed. And you might, too, but from an opposite perspective.

Please keep in mind that you may need credit to purchase a car or a home. If so, then you need to use credit well to establish and maintain a strong credit history to serve as your financial reference. In any case, you do need to agree on how you will use credit.

Working together on your financial issues can help you reach true agreement on your financial goals. Working together to achieve financial goals will not only put you in a better financial situation, it also can relieve stress that may be affecting other parts of your relationship.

Thanks for asking.

- The “Ask Experian” team

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