My Credit Must Be Getting Better – Getting Tons of Credit Card Offers!

I think it’s so funny how seemingly arbitrary credit scores and overall credit standing seem to be sometimes. My husband and I are a perfect example of this. I’m just gonna come right out and say it. I’m the higher earner in our marriage. It’s not because my nine to five job pays more, our jobs actually pay about the same. It’s because my side business makes a side income, and puts me past his total income.

And yet, he was always the one to get more credit card offers. It’s been going on since before we were married, and the situation was the same back then too. I think that he had a lower amount of debt on paper and also happened to have just the right credit to debt ration, whereas I was the one who had the credit lines and the loans opened in my name. Therefore, they probably viewed me as a bit more of a risk because I had a higher debt to income ratio.

However, the facts couldn’t contradict what you see “on paper” with us any more. He actually has more revolving debt that I do, and I actually have more free cash flow than he does.

We still split the bills, like we did before we were married, because frankly we are both just used to it and it just works really well for us. I know some married couples are all about combining money and checking accounts, but we’ve found there’s less clashing about money when the accounts are separate and we can mind our own financial business.

Yeah, it’s not the most romantic idea, but neither is fighting over money and balancing checkbooks a certain way. It’s different for everyone, and everyone should just do it how they are comfortable.

My credit reports and scores must be getting better, although why I don’t know. Perhaps the credit agencies or the powers that be are seeing that I’m paying down our house and other debts quicker than they need to be paid down. Maybe this signifies an extra free cash flow in the household and reflects well on what your disposable income might be. It is probably a good predictor of what kind of credit risk you are.

So, I’m getting credit card offers by the gross again, just as I used to get before we owned a home and socked a lot of money into the mortgage payment. It’s funny because I don’t even think about applying for any of these credit cards. I just put them in the paper shredder and ignore them. I have one United Airline miles credit card, and one United Airlines debit card for personal use, and that’s all I need at this time.