The most obvious solution, especially in the short term, is to take out a joint card with your spouse or request to be added as an additional card-holder for their preexisting card.

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Couples that communicate openly and honestly about finances should have no problem with maintaining a joint credit card.

FORBES: Stay at Home Moms Face Credit Card Challenges

They only care who signed on the dotted line for that joint credit card or that mortgage or that car loan.

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As a teen, she worked at a Wendy's burger joint and paid for college by teaching aerobics, piling up credit-card debt and getting loans and grants.

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But we both keep an eye on our joint accounts (which makes good sense for a number of reasons, including monitoring identity and credit card theft), and we both discuss how our money is being saved and spent.

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