Just to be clear, you are paying an APR of 24%, so on a constant $1,000 balance that's $240 per year in interest or $20 per month. Assuming you pay extra then the balance will decline and the actual interest you pay will be less than $240 over the next year. I'd just find another 0% card to transfer the balance to, even if it can't be done immediately and you have to pay a month or so of interest on he current card.

Anonymous wrote:I agree with the balance transfer. I'd just find another 0% offer and transfer it.

I'm afraid this option will not work given the short amount of time I have. There is only 5 days until the payment is due or the interest starts. The other 0% cards I looked at all said the balance transfer takes about 1-2 weeks to finalize.

My husband and I are actually extremely close, we have been married for 5 years but together for 12. We have two young children. He makes a shit ton of money and I make pennies comparatively. I got my own credit card because every credit card we have is in his name and I just wanted my own. I wanted something that was just mine. That's all.

But yes I will tell him. Can't wait for this conversation!

He makes a shit ton of money and you "wanted something that was just mine" and you are "extremely close". Got it.

I agree with the balance transfer. I'd just find another 0% offer and transfer it.

Tell him and pay him back tonight in bed.

Get a new card TODAY (online) and do another balance transfer. It'll cost you 3% instead of 24%

My husband and I are actually extremely close, we have been married for 5 years but together for 12. We have two young children. He makes a shit ton of money and I make pennies comparatively. I got my own credit card because every credit card we have is in his name and I just wanted my own. I wanted something that was just mine. That's all.

But yes I will tell him. Can't wait for this conversation!

How long have you been married?

Pay it. Do NOT pay the interest. You will likely get charged interest for the entire amount (not just the $250) and possibly for the entire time you had the 0% rate.

I'd tell husband. He'll find out later anyways. How the hell do you have a cc that dh doesn't know about?!

Anonymous wrote:What did you buy?

It wasn't just one thing. I was just paying the minimum for a while because I thought I had more time. Mostly it was just a lot of smaller stuff that added up (and a bag I bought for myself that was like $200)

I know I should just tell him. ugh. I'm so mad at myself.

Pay it. Tell your husband and cut up the card. The internet rare has nothing to do with your credit rating. I have excellent credit and have 22% card with a 50k limit. I always pay it off and never come close to the limit v

I'd say to do #1 and tell your husband. But, if you don't, do #2 and next month when you have paid the card down to zero, close the account and don't use secret credit cards ever again. This is a recipe for disaster both with your finances and your marriage.

What did you buy?

So I must have miscalculated something and got an alert from mint today that my intro 0% interest rate on a credit card ended on March 1st. I had it in my mind that it was 18 months and apparently it was 12. So basically I have to pay $1000 by the due date in 5 days or will have to pay almost 24% interest. first of all 24%? I have almost an 800 credit score so how is this amount based on "credit worthiness"? Obviously I have to pay it but I work part time and don't have an extra $1000. As a family we do but I really don't want to tell my husband as he doesn't even know I have this card and he would be extremely disappointed. here are my options:
1. Tell my husband. he will 100% pay it off but he will be upset.
2. I can pay about $700 of it by the due date and then I'd just have to deal with the finance charge for 1 month but I would absolutely be able to get it done by the next due date.

Thoughts? I know in the grand scheme the ~$250 is not a huge deal but seriously that rate in obnoxiously high.