(Closed) Fi and I – applying for credit cards

posted 4 years ago in Money
Post # 2
Member
634 posts
Busy bee

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sunshadebride :  I wouldn’t recommend combining finances or financial obligations before marriage.  If anything was to happen, you would be responsible for the debt if he refused to pay even if you didn’t make the purchases. You can add him to your account after marriage with a simple phone call to your creditor so there’s no reason to jointly apply prior to marriage. 

Post # 3
Member
4239 posts
Honey bee
  • Wedding: August 2015

As long as you commit to paying it off 100% every month you will be just fine.  I know too many people who do not use credit cards appropriately.

I would also recommend separate cards for each of you.  Can he get one from his bank?  That may help him to get used to having one and using one.  I would also recommend not using a credit card for wedding expenses — use a debit card or cash instead.

Post # 4
Member
13943 posts
Honey Beekeeper
  • Wedding: November 1999

I would suggest that both of you get cards, so you can both work on improving your credit scores.  Having good credit scores is a really important aspect of getting the best rates for mortgages and any other loans you may need in the future. 

I second PPs about having separate cards, not combining finances until you’re married, and only using the cards for wedding expenses IF you can pay it in full every month.  Otherwise, the interest charges aren’t worth it.  Also make sure you check that your vendors don’t add extra fees for credit card transactions — many of mine did, and checks were a better payment option.

Post # 5
Member
462 posts
Helper bee

I’d get them separately. Plus, depending on which card you go with, there are usually referral incentives. So you could get a card and then invite your fiancé using a referral link and you would each get a reward. 

Post # 6
Member
5663 posts
Bee Keeper

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sunshadebride :  Just going to say a few things that I learned the hard way about credit cards. No store cards, the have the worst APR. Chase is ok but watch out if they promise you anything such as a sign on bonus. Look at the fine print, they put me through so many loops that I wouldn’t do it again and I never for my bonus. You can’t combine balances within Chase either. 

I would get one through your bank first and see what the lowest APR is. If you can do not carry a balance over. Pay it off early each month. 

Post # 7
Member
5663 posts
Bee Keeper

Oh and take a look at the Alaska airlines card to see if it’s worth it if you plan on travel. 

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