<prompt> Human: My wife keeps on spending creditcard for even little of the shoppings to get rewards. The rewards are like 15-20 on about 300 shipping. But she often spends on unnecessary things just to shop. Her monthly cycle runs on debt. With her next salary she gives debt on her creditcard which she owes. While giving stress to me also that she gave most of her salary to compensate her debt from previous month.Cant she spend through debit card and leave the credit card. Am I missing something? Edit: we have 2k USD emergency fund. I dont feel the need for creditcard an an emergency fund. It is just for rewards.  <response>: rrelationshipsSounds like your wife isnt financially responsible enough to use a credit card. 