This is probably the first time I’m really upset about something in my new marriage. My wife kept saying she was going to add me to her JetBlue credit card. I kept saying not too. I don’t need it. No reason etc. she thought it would be good for me to have for some reason.

We don’t carry balances but we differ in that I pay off my balances before statement dates. This leaves my credit utilization at 0% and my credit score at 815ish. She pays full balance when getting the statement.

So I get this card I didn’t want and suddenly there’s a $7K balance on my credit and my score drops almost 50 points. I worked very hard after my divorce to get my credit fixed. So I’m pissed.

But what really makes me mad is she dismisses my being bothered and says I’m being petty. She also says since I went in the vacation that caused the 7K that I shouldn’t be mad it got my score since it hits hers too. We can disagree but just the response still has my blood boiling. Ugh. I’ll get over it but I needed to vent.

I hear you and understand.

Consider that credit score is an artificial "I love debt and access to accumulating it" score by which vendors try to figure out to whom to hustle their wares.

Don't sweat the small stuff. It's all small stuff.

Yeah I have no need for a great credit score. Not buying a car anytime soon. Don’t need credit cards. It’s just something I was proud of after getting divorced and being able to get debt paid and a score over 800

quote:

Originally posted by ChuckFinley:
Consider that credit score is an artificial "I love debt and access to accumulating it" score by which vendors try to figure out to whom to hustle their wares.

Really? I made my last car payment in January of 1979. I made my last house payment in 1994.

I paid cash for my house and cash for all vehicles I buy. I don't carry any balances on Credit Cards, but use them for cash back and pay them off in full every month.

In other words, I don't have any debt and haven't had any for around 28 years.

So how come my credit score is 830 if I love debt and don't have any?

If you are above 750 you have excellent credit.

I am in the boat of I got free after my divorce and it is bragging rights.

It's just a number in the excellent range.

quote:

Originally posted by rainman64:
If you are above 750 you have excellent credit.

I am in the boat of I got free after my divorce and it is bragging rights.

It's just a number in the excellent range.

Well actually it says my credit went from excellent to good. It’s 767 now.

Interesting.
I use credit karma, and they were my source.

Anything over 750 is primo, I wouldn't sweat it


It will be temporary, this is a "pick your battles" moment

I does not matter to me if one is building a gleaming financial empire, or a sandcastle on the beach.
If someone purposefully knocks either of them over-they are a dick.

quote:

Originally posted by frayedends:
Yeah I have no need for a great credit score. Not buying a car anytime soon. Don’t need credit cards. It’s just something I was proud of after getting divorced and being able to get debt paid and a score over 800

Then what are you cryin' about?

quote:

Originally posted by smschulz:

quote:

Originally posted by frayedends:
Yeah I have no need for a great credit score. Not buying a car anytime soon. Don’t need credit cards. It’s just something I was proud of after getting divorced and being able to get debt paid and a score over 800

Then what are you cryin' about?

Cause his wife didn’t listen and is now dismissing his concerns.

Sounds like the marriage is going just fine

As in that’s the struggle most every spouse faces.

No matter how little or "petty" she thinks it is, if it's a concern to you she should better well respect that.
I would not be ok with that either and would be very dismayed.

I bet her score jumped up by 50 points

if you are not on the account and not a signor/guarantor for the account it shouldn't be listed on your credit. If its her credit card and has you as an approved user on the account where she'd extended her credit line to allow you to use it.

I have my wife on a couple of cards but she is not the main account holder, thus it's not on her credit reports.

Unless you signed something that committed you to be a co-creditor on the account, or, if it was setup that way when the second card was requested.

Sounds like you got setup as a co-owner on that account not a user...

quote:

Sounds like you got setup as a co-owner on that account not a user...

Which would be a way bigger concern based on the way the OP described the chain of events and his expressed wishes.

If any member here figures out a way to convince a woman she’s wrong and as a man your not being, petty, stubborn, insensitive or cavemanish, please let me know, and I will buy stock in your invention.

In a week or so I will have been married (to the same woman) for 40 years.
Part of the reason is that when one of us said, “That affects me personally; please don’t do it,” it was never done.
Regardless of its actual effect on anything important, I would be upset as well.

quote:

Originally posted by spunk639:

If any member here figures out a way to convince a woman she’s wrong and as a man your not being, petty, stubborn, insensitive or cavemanish, please let me know, and I will buy stock in your invention.

If a man is alone in the woods and there is no woman to hear him, and the man speaks, is he still wrong?

If I were afrayedknots, I would be contacting the institution and having myself removed as an authorized user.

If I found I was added as a joint cardholder, without my explicit/written consent, I would be making a ruckus with the card issuing authority.

In some cases, the authorized user can be added online or via phone (answering verification questions) by the cardholder, and adding a joint holder can be done in some cases by printing or online (e-sign) documents as it is the same as applying for credit/joint credit and the "added" needs to be credit verified.

In the first case, the cardholder is responsible for any/all charges of both themselves, and the "authorized" user, whereas a joint card account that responsibility falls on both/all joint holders.

And in case folks do not know, adding an authorized user and then not giving them the card, does not prevent them from accessing the account/funding in any manner provided by the issuer.

If a person is authorized, they can call, walk in, order, or online access/use funds, credit line, e-check, physical checks or any means that are provided by the card issuer to access/use credit, and the cardholder that authorized the person on the account is 100% liable.

(some folks think that retaining the added authorized user's card prevents them from charging anything)

[/unsolicited advice]

As the monkey said. I can't imagine how she added you to the card, she likely added you as an authorized user, which is no different than you using her card, except it has your name one it. Unless you filled out an application, you have no duty to pay the card.

I like your wife pay after the statement is sent out. My credit score is 847. There's got to be another factor besides the timing of her payments that you aren't considering.

It sounds more like a utilization situation for her. If her card only has a $10k limit and she put $7,000 on it then it will show a higher utilization than normal and the month following paying the card off everything should be back to normal for her credit. I still don't understand how her account affects your credit.