I almost feel like you go from one end of the spectrum to the other on this issue... Yes, maybe it was not good to take so much control over the finances early, but now, H getting a CC in secret - that would have me very concerned, since you will be equally responsible for this debt. It doesn't matter if you separate finances, you will still be legally liable.
This would be a problem for me.
M 16 yrs, WH62, P54 3 adult blended kids EA 11/13, BD1 6/14 PA fall 14, BD2 2/15 Piecing 2015, BD3 12/15 Separated 4/16 WH moved OW in 5/16 Divorced 6/15/17