Checks and balances

Sounds like it's time to see what he's spending it on and time for some couples therapy or a divorce

Why does your husband even have access to your credit card?

it clearly says "OUR" not solely OP's. there's no point in not having accounts and whatnot linked if you're married.

No, you need 299 more t-shirts to catch up.

With debt, you go big or go home. Or homeless.

I bet that’s not what he said.

as you were obviously present for the confrontation, what exactly was said? you sound very confident that that's not what was actually said. so let's hear it. also you need proof

I think some couples counseling is in order.

Makes me glad banks don’t use that kind of score in my country.

How did wracking up debt on your credit cards ruin your score? Are you not paying the bill for it?

They probably weren't or were paying absolute minimum. Since their husband was the one who ran up the charges he's probably been hiding the credit card bill and doing the "Oh I already handled it" or "I'll deal with the credit card payment" to keep his wife in the dark. Since the card is in both their names late payments would also cause issues for both of their credit scores.

not a big deal just a learning experience. Last month spent about the just buying little things here and there and it was really surprising how fast it adds up.