Not my spouse, but someone who I care enough about that his interests are my interests. In any case, my plan at this point is to open a Slate card, transfer as much CL from my other chase cards as possible. Then, transfer his balance to the slate and have no APR for 15 months. If at the end of the 15 months he still hasn't paid it off, I'll have him open up his own Slate and take the balance back, or just transfer the debt to a different 0% card and pay a balance transfer fee. Sound like a good plan?