re: Spinoff from the budget app thread. How do you handle accounts and payments with SO?

We consolidated everything when we got married. 1 checking account where our paychecks come into, bills go out, and the remainder over $1,000 is swept into a brokerage once per month. 1 emergency fund savings account with 9-12 months of expenses.

We each have 1 credit card, but hers is a backup that never gets used. We both only use mine and pay it off every month. Any negatives (credit wise?) of never using her credit?

We both have a brokerage account with Fidelity and E*Trade. I no longer get company stock (switched companies), but we have our excess checking account money sweep into mine every month. She still gets company stock. I’ve contemplated consolidating mine into hers, thoughts? It would he separate accounts, but same company (Fidelity) instead of both.