Noah,
I seem to have an identical situation here at my house!

Thing is, it's like pulling teeth to get my hubby involved in the discussion of credit and the usage of it as well. I so wish he would just read some of message listings on this board!
I'm really on my own when it comes to making credit decisions and that's why everyone on this FICO board is very special to me because you have either been there, did that and not going back!!!

SandyK