<prompt> Human: My wife has great credit. 749 score according to the capital one free report app which even give or take 30 points for accuracy, its still pretty good. I came to find out yesterday that shes ran one of her cards up to 1024 and another up to 550 buying useless Chinese shit from wish and eBay. This is on top of the 3500 on another card weve been putting off. The problem is her interest rates are terrible on all these cards, and the minimum payment on the high card literally doesnt do anything yeah, I know, thats how they get you. We had a talk and she promised to stop using her credit cards. I dont believe it for one bit because shes a fucking Amazon addict but I am her husband and it is our financial future, and her credit is about 80 points higher than mine so I need hers to stay solid. I want her to get a 0 balance transfer card, move all of her debt to that, and pay off within the 0 period. Nerdwallet recommends the chase slate card for balance transfers. She recently got approved for the Amazon Chase card about 4 months ago. What are the odds she will get the slate card? There was a citi card recommended too, she has no accounts with citi but nerd wallet did say it requires an excellent score. Assistant: You have two issues here.One is the fact you and your spouse are not on the same page with moneyin general. She spends without telling you, you two dont have a joint plan for money, and you admit that you dont trust her to keep her promises about money. That is a huge problem. You need to address it.The small problem is how to fix the balances that have resulted from the big problem. A 0 balance transfer and buckling down to pay it off are a good solution. Her credit is solid and assuming her income is good she should qualify with her score.However, the big problem is what needs 95 of the focus and not to be swept under the rug. Otherwise, you will continue to have problems with money and in general. Human: Thanks for your response. I told her if she doesnt start having more transparency and keep her promise about the credit cards I will be separating our finances. She really doesnt want that even though he makes slightly more than me after taxes and says its a step towards divorce. Weve been married two years. Age 24 and 23. She has this poisonous mentality that credit card debt is ok by virtue of it being common. She thinks everyone has credit card debt, its ok and normal. Its a sickening mentality. How can I break it? Shes at the point in marriage where anything I say can be shoved directly up my ass because why would she listen to me!? My score is worse than hers and I only get my information from the Internet. Assistant: Its a sickening mentality. How can I break it? Shes at the point in marriage where anything I say can be shoved directly up my ass because why would she listen to me!? My score is worse than hers and I only get my information from the Internet.You cannot break it. You can only convince her to the degree she wants or is open to be convinced.Did you discuss these issues before marriage? If you did not, get might be very reasonably confused about why you married her while she spent like thishad these values, never discussed it before marriage clearly to the point of an agreed upon resolution, and now want change.Separating finances is a step towards divorce if you believe in marriage as a unity. Ultimately, you two will need to work this out like you would any issue in a two person relationship where you want to reach unity. That being said, if you are coming in expecting her to change the way she is always doing things she is probably shockedconfusedHuman: She knows Im frugal and Ive road her ass about frivolous spending for years now. The problem according to her is that my constantly riding her about every cent she spends is causing her to spend more. Which I called out as a pathetic excuse and attempt to blame her poor discipline on me, but maybe theres a psychological component to my overbearing and rightfully so because we make 11 an hour control.  <response>: She knows Im frugal and Ive road her ass about frivolous spending for years now. The problem according to her is that my constantly riding her about every cent she spends is causing her to spend more. Which I called out as a pathetic excuse and attempt to blame her poor discipline on me, but maybe theres a psychological component to my overbearing and rightfully so because we make 11 an hour control.Well, it sounds like you married someone who has fundamentally different values and views about money. She knew you were frugal. You knew she was not. You two have put yourselves in a tight spot. You riding her is not a solution to the problem.You two need to sit down and work on a plan that works for both of you, not you forcing her, and agree to it giving your word as adults. You may have to agree to more discretionary spending than you would like.Than, you two both need to keep your words and keep to the mutually agreed upon plannot one shoved down the other parties throat.Ultimately, if that does not work I dont know what to say other than marriage counseling since that will mean this is not a issue just of different values around money but a lack of integrityloverespect on at least one partys end. If you cannot trust the other party in a marriage to keep their word you have a massive problem. 