No. of Recommendations: 6
My DH has a card with only his name on it from when he was single. The CC company keeps raising his limit when he gets close to it - now it's up to $7500. Is there a way to get them to stop raising the limit?

You (singular) can't do anything about this. Your DH can request that the limit not be increased further, or that it be reduced. How well the CC company complies with this request may vary from one company to another. For some companies, the request might need to be in writing.

Of course, your DH could change his mind at any time and request that the limit be raised again. This is something you have no control over.

More to the point, is there a way to get DH to stop thinking of it as "money to be spent"??

There is no way for you to make someone else change how he thinks. You can do your best to persuade him to view things your way, or you can learn to live with how he acts, or you can try to compromise somewhere in the middle.

You can, in order of severity:

1) Mention that it's not money to be spent.
2) Point out that anything he charges has to be paid for.
3) Educate him about the ridiculous amount of interest that is charged if the card isn't paid off within the grace period.
4) Prepare financial analyses quantifying how badly charging up to the limit hurts your financial position.
5) Try to convince him to become involved here for education on how cards can bite you, and how to use them beneficially.
6) Try to wrest control of all family finances from him. (This will work only if he assents to your having control; he can always get another card without your knowledge or consent.)
7) Take control of all joint obligations, paying them from your income, and let him waste his income and trash his credit however he chooses.
8) File for legal separation or divorce.

If this is just a matter of ignorance, he'll get better somewhere in the first 5 steps. If it's a matter of ignorance plus lack of willpower, but he's willing to let you help him, step 6 has a chance of success. If he simply wants to spend whatever he feels like whenever he feels like spending it, you're looking at steps 7 or 8.

Some of us on this board have failed to reform spendthrift spouses. I think there are a few people here who have persuaded spouses to accept external controls on their spending. There's at least one who is still trying to reform his spendthrift spouse, with slow progress. It doesn't necessarily get to the point of divorce; but it can go there if the spendthrift spouse refuses to do anything to limit expenditures.

Hint: Sometimes the knowledge that current habits can endanger the marriage is enough to wake someone up and motivate them to try to change.

Patzer
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