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[quote=Anonymous][quote=Anonymous]I don't understand having separate credit card accounts as a married couple where one spouse doesn't have access to another. A while ago, my husband opened a travel credit card to earn us travel points which is fine, but it drove me nuts because he was stacking most of our finances on it (and paying it off), but I couldn't effectively budget. I would think we had x dollars on hand, think we had the means to splurge on something, then suddenly see him pay out a huge amount each time he paid off the card, and realize we weren't as well off as I thought. Cue fighting. I now have access to the same credit card account so we can stay on the same page about where we are financially and we stopped arguing about it.[/quote]
Plenty of people manage yours, mine, and ours accounts just fin.  In this case, we'd have made the most lucrative rewards card the joint account and used that to rack up miles/points/dollars/whatever and synced with the budget.  Husband's cards are for his fun money and have to be paid out of his account, my card is for my fun money and is paid for my account.  If we accidentally use the wrong card, we just transfer the amount out to a personal account and code the transfer in the budget for what it was used for.  Takes about two seconds to ask/text the correction.  Has worked for us for 15+ years without the issue you describe.[/quote]

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