Two people, many credit cards: How couples can manage credit together

Whether you share one credit card account or you juggle multiple cards at once, managing credit cards with a partner requires a lot of coordination.

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It’s not just about day-to-day spending decisions where you agree upon which card to use at the grocery store and which to use at the doctor’s office. The way you use credit can help or hinder your shared financial goals, and that can affect your happiness as a couple.

Even if you maintain separate finances, your actions affect your whole household. It’s important to have candid, frequent talks about your credit card use so you can work toward a shared set of money goals.

Scheduling money dates is crucial to managing your credit cards together. Set aside uninterrupted time where both of you can fully focus on the conversat