If I were you I would tell him you are not comfortable adding him to your card because of his prior credit history.  This may sound harsh but IMO being honest and direct is the way to go.  If he doesn't respect that and it affects your marriage than I would be concerned that the problems run a lot deeper than what is on the surface.  If this is too difficult and you are fearful that it may negatively affect your relationship I would asses how damaging it could be to your own credit rating if you add him and how your response to this could also affect your marriage if he ruins your credit as well.  You have to protect what credit rating you have left and guard it with your life.  If I were you I would tell him flat out NO and let him deal with that.  You are entitled to make decisions for your own best interests and a little hurt feelings is a lot better than another financial disaster.  I know it is hard when it is someone you love, but you have to look out for your own best interests.  Good luck and take care.     

Or:  you could tell him because he has filed bankruptcy and has a poor credit rating the credit card company will not allow him to be added. (A little dishonest here though, but it may work if he has no clue ).   

If you believe that adding him to your card would cause further hardship to your life you do not need to add him. If he can not understand the reasonings it is not your responsibility to justify them. I would explain it to him just like that. its your credit and it will follow you wether you are to remain in the marriage or decide not to.You do not need the added stress.

I have been with the same person for 10 years and we do not share credit at all. For marital purposes it keeps things simple.We both have excellent credit now, but by keeping it seperate it will insure that at all times good or bad we will likely always have one person with good credit. maybe Explain it like that.

Troy

BLUE,

It was never my intentions for my relationship finances to work this way it just did. But over the long run it does make sense, and your situation will attest to that.

Troy

Thanks guys, I appreciate your repsonses. I will definietrly say NO to him and explain that we need one person in this family with good credit.

I was also thinking that we can try and save up $1000 to get him a secured card. Does anyone know any banks or institutions that have a $500 secured card? $500 is an easier goal to attain than $1000.

Thanks

Cesca

I applied for this a few years ago, it has worked well.... we sent a cheque for $75, and got $150 limit. We sent another $150, for a limite of $300.  They will increase the balance -- dollar for dollar -- to a max of $750. There is a monthly fee, and of course Interest is High, but that is normal for a card like this.

http://www.capitalone.ca/cards/secured.shtml - http://www.capitalone.ca/cards/secured.shtml

Or this one,

http://www.hometrust.ca/ - http://www.hometrust.ca/  , its a little more minimum is $1000.00 but they have other forms of financing availiable, like mortgages. I would recommend building a relationship with a company that can offer you the most in the long run.

just my.02

Troy

In any matter when it comes to credit rebuilding time is the only cure, that being said capital, hometrust or a secured plc all will work the same. who the creditor is does not matter as long as other creditors are able to see that you are capable of maintaing a healthy responsible relationship with your existing creditors.

Troy

Exactly :) Couldn't have said it better myself..... ;)