We discussed the separate account thing one night and decided it just didn't make sense unless one of us became unreliable in our spending.Apparently, neither of you has ever had a wallet get lost or stolen.I firmly believe that both spouses should have credit cards in their own name. As has been mentioned, all relationships end one way or another, and I have seen widows not be able to get any credit such as a mortgage because all the credit had been in their husband's name.I have also had my wallet stolen at work, and if all our credit cards had been joint, then we would not have had one credit card left between us, and as it was stolen while we were building the house, the credit cards were being used continuously.I cannot begin to imagine what would happen if I lost my wallet while on vacation, and all our credit cards were joint since we'd have nothing left we could use.I firmly believe it is in a couple's best interest to ensure that each spouse has at least one credit card solely in their name both to build a good and separate credit rating for each of them, and so that if one of them loses their wallet, they still have a card between them that can be used.This has nothing to do with spending habits.
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