Credit Card Debt - Red Flag or Deal Breaker?

Debt is a pretty big thing now a days but not in a way to make a big deal about it. My FH and I are working towards correcting any and all debt that we have. We also help each other wherever we can if we can.

I believe if it can be paid back and there is a payment plan, and nothing is hidden from your significant other, and you are both aware of the problem and are able to resolve it then... okay. This could be a problem in the future if you want to purchase a house or car, or if you are in danger of bankruptcy or repossession. But it is definitely a red flag! 🚩

As long as he's open about it and we can come up with a plan to help pay it off realistically, I don't see any issue. If he's an irresponsible spender in general, then that is a definite red flag.

I have cc debt too, I'd be a huge hypocrite if I had a big problem with it.

Big red flag! Of course it depends on how much, financial situation, other bills, how honest they are about it, and how willing they are to work on it. We need very honest open conversations about money before living together and marriage

Red flag if its super excessive but most of us have some debt thanks to student loans.

I was the only one w student loans (or any kind of debt) when we got serious enough to start talking about finances, but as long as we're both smart enough to know our limits and HOW to deal with the debt, then I don't see an issue.

As long as he's responsible for his debts and doing what he can to pay it down, that's not a flag for me. Life happens and at times that means we have to use a credit card.

Red Flag. I'd have to understand why, how much, etc. Finances are important to me. I've worked hard to get my debt where it is today, so it would depend.

It depends. Excessive credit card debt would be a deal breaker for me. I definitely would not want to marry someone who is reckless in spending/with finances and burns holes in his pockets. FH and I both had debt going into our relationship, but we’ve both since been able to pay off all of our debts and build up an emergency fund before getting married.

Neither, we both have baggage just need to learn how to deal with it as a whole, one can feed off the other in a good way

Depends on the actual debt. If it is a lot then it is a deal breaker. If it was on frivolous things, deal breaker. If it is because of school or the loss of a job, then I can understand that.

We both came into this with a same amount of CC debt, and we have worked to pay them off, and then used them again and are currently working to pay them off. No one is perfect, it would be a deal breaker if they ran them up, never paid for them and left me to it all though.

Who doesnt have debt?

I would say depending on HOW MUCH! It's not a deal breaker for me because I have some debit. We both work hard and pay our bills so I don't think it's bad

We both have debt.
We have a house together.
We have cars together.
The credit card debt that he has, it's also for stuff he knew I wanted. Sooo neither.

Red flag, but we've been smart with our money and have nearly gotten rid of all debt (aside from a few small student loans)! Wasn't the most convenient thing in the world, but definitely not a deal breaker.

Red flag. When we 1st met he had just been laid off and had some debt but we worked through it over the years.

Red Flag as long as they are honest and are actively paying it down.

As long as you don't try to get me to pay off your debt, we're good. I have credit cards that I need to pay off and I don't expect him to pay them. THe only way I see this being a deal breaker is if he constantly buys and is always getting pink slips in the mail.