Is there a reason you can't have him removed from the cards in your name? Or cancel those accounts altogether and open new ones in your name only?
I filed for divorce for exactly this reason. He was dragging us down (on top of his lying and cheating) financially. I was scared of losing a full time income, and that we couldn't afford two households between us since we could barely afford one, and scared of being stuck with half the enormous debt he'd run up.
I have found, though, that I'm better off FINANCIALLY with less money but without his spending. You have to accept that you're never going to see what he owes you, and cut all financial ties. You've seen that he does it because he can. And until you completely separate finances, he'll continue to do it.
ETA: When I was on an infidelity forum, I saw this a LOT, where women found they were better off financially without guys like this, even though they had significantly less money. We really underestimate how bad their spending is.
I could have him removed from the cards in my name, but that's not the solution. He doesn't have physical copies of those cards and he isn't using them. (Since I moved out, early this year.) The only thing he can do and did do, is overdraft "his" checking account (which is a joint account) which pulled from the overdraft protection on my credit card. Which generates a $12.50 fee each time. As opposed to the $34.00 fee each time if we did NOT have the overdraft protection.
Why is this set up this way?
Because:
Since it's a joint account, I have online access to it and when he gets paid, I can transfer out what he owes me, what he has AGREED to pay, which is how I get around "accepting that I'll never see what he owes me."
That ^, the upside of this...happens way more often than the downside, which is that he CAN overdraft as he did this last weekend. But he's going to pay me back. How do I know? Because I'll simply log in and take what he promised to pay me back, around 5am the day he gets paid, over my morning coffee.
So once he's cut loose with his own account, I have to trust that he'll send me the money he owes me for things...I don't like that.
I can't get him and Ninja (son he's parenting) off my cell phone plan until the installments for the devices are paid off. I cannot afford to pay them off. No one can right now.
I can't just simply close those accounts and open new cards in my name. Because my balances are high, and no credit card company would approve me (I don't blame them.) Actually there is no point or reason to that...they aren't joint cards. He was only ever an "authorized user." The debt, the cards, they are in my name. What purpose would opening yet more cards serve, even if I could?
And I cannot afford to make the payments but then NOT use the cards. As an example...suppose one card has a $400 payment on it, and charges $200 in interest that month, I can then use the difference to live on. I cannot afford to have that extra $200 just go to the balance on that card. I have to use it. Why? Because I've got like $300 for groceries, gas, school supplies and clothes, etc for a whole MONTH for me and my kid. It isn't enough. This is what I call "treading water."
The credit card balance is not going up, or down. It's just staying where it's at.
So I am doing that for some of my cards. One in particular though, I have locked away and I'm making actual progress on. One at a time. It's all I can do.
Also, we are in the process of a divorce right now. We have filed the paperwork. Any time significant changes happen (such as, if I closed or opened an account) we'd have to amend and re-file our paperwork, and pay an additional fee to do it.
I'm stuck for a little while yet. And given the numbers on this debt...which would be pretty shocking for most people I think...I believe that the only way out of it for me is going to be bankruptcy anyways, even if my ex pays me what he has agreed to, I'm still going to be left with debt totaling more than a year's worth of salary for me. That's how bad it is. But if he does pay me what he owes, I'll have a couple of cards paid off that I can affirm and keep and use to rebuild my credit later I believe.
Also, I don't for one second underestimate how bad my ex's spending is. You should see the spreadsheet systems I built to aggregate data and report on who is spending what, on what...I know what his spending, mine, spending for groceries, for gas, for holidays...you name it, I've got a category for it. And I've got meticulous detailed records of every penny in or out since 2008. I actually find accounting fun, it's like a hobby for me.
So I know that in general when we were together, assuming we took all of the household expenses like our housing costs and groceries and split them 50/50, but assigned out individual stuff based on how our spending habits were...and also considered income...
Over the 18 years of our marriage:
He earned 59%, I earned 41%
He spent 51%, I spent 49%.
In general what sucks about his spending habits wasn't so much the amount. He didn't really spend more than his due. What sucks is that he was (and is) so STUPID about it. I'm usually more careful and aware...I might occasionally spend big on a vacation or something, but it's all planned out and I get the best prices for practically everything.
He on the other hand...signing up for all kinds of dating sites and porn, and then being like "hurr durr they said it was a free trial!!" And every time he goes into a store he's got to buy a $5 energy drink and a bag of junk food...I have a loathing of spending more than things are worth. He doesn't.
And I feel that he is very unrealistic about other things, he thinks he's going to get $2,000 in rent for the house, because "he'll make sure to rent it to some officer in the Army." Just because someone has the money doesn't mean that they want to pay more than what something is worth. Comparable houses rent for MAYBE $1300-1400 tops in that area. He'll be lucky to have the rent cover the mortgage. And he's talking about how he'll have enough coming in, to also pay a management company and a landscaper and this and that...he's being really stupid. His plans just aren't going to work. And then he'll bellow and cry and play the victim when things don't go his way because he didn't bother to research and have realistic expectations.
He's just really frustrating.
I can't wait until the day I don't have to care at all what is going on in his world. We aren't there yet, but we will get there. It's gonna be great.