topic Re: How can I get my DW to pull her credit score? in Credit Cards

How can I get my DW to pull her credit score?

obageegee — Tue, 02 Oct 2012 16:56:06 GMT

I have been after her for months. She usually pulls mid 700's (two years ago) She has a MBNA and a Discover card with probably a 60% utilization and that's it. I think both of these cards are in the 15-20% apr range. My thought is she should apply for two more (after she pulls the CR) and assuming that she gets accepted, spread the debt over 4 cards to reduce the utilization. Any ideas?

Re: How can I get my DW to pull her credit score?

ryanbush — Tue, 02 Oct 2012 17:02:14 GMT

Just ask her?

Re: How can I get my DW to pull her credit score?

birjest — Tue, 02 Oct 2012 17:44:57 GMT

Tell her: "resistance is futile..."

Re: How can I get my DW to pull her credit score?

jd5189 — Tue, 02 Oct 2012 17:52:14 GMT

It would make most sense for her to do a balance transfer and stop paying interest.

You can always say, "Hunny you should save some money on your CC interest by doing a balance xfer so you have more to shop with!" That should grab her attention :smileyvery-happy:

Re: How can I get my DW to pull her credit score?

djrez4 — Tue, 02 Oct 2012 18:27:15 GMT

"The Mayan prophecy fortells that only those with good credit will pass into the next katun."

"There are kids in Africa with no credit at all!"

"If you don't check your score, the terrorists win."

"If you don't, I'll divorce you."

Re: How can I get my DW to pull her credit score?

shakalaka — Tue, 02 Oct 2012 18:31:27 GMT

djrez4 wrote:

"If you don't, I'll divorce you."

This one could backfire :smileyvery-happy:

Re: How can I get my DW to pull her credit score?

SpiceIslander — Tue, 02 Oct 2012 18:51:22 GMT

shakalaka wrote:
djrez4 wrote:

"If you don't, I'll divorce you."

This one could backfire :smileyvery-happy:

LOL!!!!:smileyvery-happy:

Re: How can I get my DW to pull her credit score?

crunching_numbers — Tue, 02 Oct 2012 19:33:24 GMT

ryanbush wrote:
Just ask her?

tell her you are trying to get a gauge on your credit situation as a couple and ask her to pull it. If you have separate finances and spending money/budgets, pay the cost.

Re: How can I get my DW to pull her credit score?

CruzImperial — Tue, 02 Oct 2012 19:38:10 GMT

Go and with a broken English tell her: "It is your destiny"

Tell her +999

Re: How can I get my DW to pull her credit score?

codimom — Tue, 02 Oct 2012 20:05:36 GMT

Have you asked her why she is so resistant to pulling her scores?

Re: How can I get my DW to pull her credit score?

obageegee — Tue, 02 Oct 2012 20:11:33 GMT

Thank you all for the suggestions. Divorce, not happening, the Priest said I have to keep her. Shopping, forget it, my wife is an intellectual, apparently they are averse to spending (although I'm quite fond of it) So, I'll give he the "if I died" bit. Maybe that will push her along. Oh wait......

Re: How can I get my DW to pull her credit score?

shakalaka — Tue, 02 Oct 2012 20:12:43 GMT

jd5189 wrote:
It would make most sense for her to do a balance transfer and stop paying interest.

You can always say, "Hunny you should save some money on your CC interest by doing a balance xfer so you have more to shop with!" That should grab her attention :smileyvery-happy:

I still believe this would work best with most of our ladies. :smileyvery-happy:

She is not into shopping? Really? She must be from another world :smileyhappy:

Re: How can I get my DW to pull her credit score?

GregB — Tue, 02 Oct 2012 20:13:22 GMT

Being willing to pay that kind of interest should be the first clue to get rid of her.

Resistance to fixing the problem is the next clue.

Sounds like it is going to get worse.

Re: How can I get my DW to pull her credit score?

codimom — Tue, 02 Oct 2012 20:14:24 GMT

Maybe thats it...maybe she doesn't want to spend the money to pull her scores unless she actually needs to app for something.
Now, I realize that I dont' always think like a girl, but I am one... if you could appeal to her frugal side and point out the interest savings with a nice BT to a 0% card?

Re: How can I get my DW to pull her credit score?

obageegee — Wed, 03 Oct 2012 00:35:59 GMT

Ok I think I made a bit of progress tonight, she is going to check out the free government pull tonight (I hope) I really just want to get her in some lower interest cards. It would save a ton in the long run.

Re: How can I get my DW to pull her credit score?

jd5189 — Wed, 03 Oct 2012 01:22:32 GMT

Even if she was an intelliectual thinker rather than a shopper, she should already be considering ways to stop paying interest.

Her scores are good enough for a balance transfer card. Transfer those balances to 0% cards and stop paying interest already!!!!

Re: How can I get my DW to pull her credit score?

LS2982 — Wed, 03 Oct 2012 02:05:54 GMT

codimom wrote:
Have you asked her why she is so resistant to pulling her scores?

I'm interested in this answer.

Why do you want her to pull them??

Re: How can I get my DW to pull her credit score?

distantarray — Wed, 03 Oct 2012 04:49:11 GMT

man you make it sound like it's harder than to try to pull off her panties -_-;

Re: How can I get my DW to pull her credit score?

Creditaddict — Wed, 03 Oct 2012 04:52:32 GMT

Married and completely seperate finances? (Just a question, sorry feel that doesn't read well!)

so if so, and you only know of the score about 2 years ago and she only has 2 cards?

you said 60% util. on what limit?

I would get her to apply for something like Citi, and call Discover and see if they could help her out with a lower rate for a bit because she has been with them for so long.

I would try to get all balances on 1 card, not spread out over 4... unless about to get mortgage or something keeping util is not the goal, it's get out of debt...

but as mentioned and I have done a time or two :P pay off 2 cards to move to 1 and then flash forward 1 month... LOL 1, 2+ years and those paid off cards are maxed again and you barely made a dent in the new one that was suppose to help you out of debt... have time find the middle of what may cost more long term but keep you on target...

Re: How can I get my DW to pull her credit score?

XxRaVeNxX — Wed, 03 Oct 2012 05:00:45 GMT

Sooo...you ask her to do something, that doesn't hurt her...and she says no? Odd....

I'd tell her to go make me a sammich.