The credit cards that I have are only in my name. I married over two years ago. I owe alot on my credit cards. I have thought about not paying my two highest credit cards to pay my other ones and then pay them at a later date. I wonder if that would hurt my husbands credit considering we have houses and cars in both names. My credit score now is 6533
Would that be smart to do?
I’m going to assume that your credit score is 653 and that’s not such a great score. Could be a lot better. I’d like to see it above 720.
I’m concerned that your approach to your current issues is a strategy and not a solution. If you don’t pay the two biggest credit cards, and pay them at a latter date, that is going to result in bad credit.
As far as your husband goes, since these are not joint debts with him it would not directly impact him.
But I’m wondering, is there more to this situation? Does your husband know about these cards and know how much you owe on them?
Oh, one other question, what has happened that makes these cards hard to pay? Is it an increase in the balances or a decrease in your income?
Please update me on your progress by posting updates here in the comments section of your question. I’m very interested in how this works out for you.
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P.S. Be sure to read ‘The Secret of Surviving Through Difficult Economic Times. What I Learned On My Journey‘.