I hope your H will listen to the counselor about communication. You are right, he needs tons of work in that area. Not condemning the other person's idea is the first step in meaningful communication. But, apparently, you know that.
I guess your husband is unaware that they teach "life skills" in high school these days, and one of the important topic areas in building and keeping good credit. Each of my 3 kids approached me with that question at about that age. And I cosigned a credit card for each of them. My youngest was advised by his older sister to go to McDonalds once a month and charge a lunch. Then pay it off the next day. And don't use the card for anything else. She says that builds credit very well. It is important for these kids to have credit. My 24 year old has just started his own business and he needs credit to order supplies for the jobs, but since he is self-employed, all he can get is a debit card. This is very difficult for him. So though he is president of his company, he still has to come to Mom and Dad for help to buy supplies.
I'm surprised that knowing how his father is, your son went to him and not you on this issue. My three approach me for everything, because I am the one who gives what they want usually.
