There are three serious consequences.

1. The husband may be subject to legal reprimand because he did not use his wife’s credit card as she wished, which may lead to charges of fraud.

2. The wife may suffer financial distress because the husband may use her credit card when he is unable to pay.

3. Once discovered, the wife may face charges of bad credit, which will affect her life and credit record, and will also affect her ability to obtain future credit loans.