why don't you give some picture of how you are managing your personal fiance. i think it would help people to give you better advise. how much is her balance on your cc and what is the APR. i know lots of people are getting a pinch because of raised APR on cc by cc company lately. how much is your income and expenses. i think it would be morally good to pay off debts but not at the expense of your health and welfare. so there are various ways you can deal with this problem.  if you give clear picture, i think people would give you a right advise.

i am just saying. i think it would really help.