About Us

Welcome to CGI Foundations — Where Joint Credit Cards Make Sense (and Cents)

It All Started With a Money Moment

Back in 2021, I found myself sitting at my kitchen table, staring at a pile of credit card offers. It wasn’t just about choosing one—it was about figuring out how to merge finances with my partner without losing our minds. That’s when the idea for CGI Foundations was born. I realized that while there are tons of resources on managing personal finance, hardly anyone talks about the nitty-gritty of joint credit cards.

It all started when I accidentally maxed out a shared card because we didn’t have clear spending rules. Oof. Lesson learned! From then on, I dug deep into research, talked to experts, and even polled friends to uncover tips and tricks for making joint credit cards work. Today, this site is my way of sharing what I’ve learned—and helping others navigate these waters more smoothly than I did.

Here’s Why I’m Doing This

I’m here to help you navigate joint credit cards with clarity and heart. Whether you’re moving in together, planning a wedding, or just trying to simplify your shared expenses, I want CGI Foundations to be your go-to guide. No fluff, no jargon—just real advice, actionable tips, and a little encouragement along the way.

What Matters Here

Real Talk: No sugarcoating allowed. Like when I wrote about how missed payments can tank both partners’ credit scores—it wasn’t fun to write, but it needed saying.

You First: Your questions drive everything. When readers asked for advice on handling disagreements over credit limits, I created an entire series based on their input.

Quality Over Hype: If I recommend a card or strategy, rest assured I’ve vetted it thoroughly. For instance, I only share rewards programs I’d use myself.

Curiosity Rules: My inbox is always open for weird, wonderful, or tricky scenarios involving joint credit cards. Together, let’s solve them!

Let’s Connect

Got a question? An idea? Just want to say hi? I’d love to hear from you. At CGI Foundations, community matters most, so don’t hesitate to reach out. After all, every good conversation starts with someone taking the first step.