First explain the reason to your husband, and then express that you will never do this again. I overspent on my credit card and my husband got angry. First, I explained to my husband that the reason why I overspent on my credit card was because I purchased necessities. Then I stated that I would not do this again in the future. For example: I overspent on my credit card because I bought necessities at home. Yes, I will do what I can in the future.