Do you have friends or family???
He should not be a joint holder on YOUR credit card. It is YOUR credit history etc. And HE maxes them out....
I don't know what other issues you both have.
Has it always been this way? Or only recently?
He sure sounds like an Alcoholic.....
Or has depression... AND Alcoholism....
Or he is just a dead-beat. Not all problems like this, are due to mental illness or depression. Sometimes, some people are just.... not much there.
Have you both every gone to Counseling?
Hard to say, what his and your problems are...
was he like this before you got married?
Or just after you got married?
Or just after you had a child?
Or just always?
Is he employed???????????????????
He also talks.... really badly to you....
is he Abusive??????????????????????
He sure acts it........
How does he treat your child???????????????????????????????
Many issues here.... but, you need to SMARTLY have a PLAN for yourself... if you do leave. Tell your family/friends. Get help.... do NOT tell your Husband... or he may get violent or try to get you out of revenge etc.
Be SMART... no matter what course of action you take. Either on your own, or with him... IF he goes to Counseling or something.
If he harms you or your child, call the Cops.