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    "Nothing breaks Cupid's bow like an argument over money," said Melinda Opperman, senior vice president of Springboard, a nonprofit, nationwide credit counseling and financial education organization.

    "Our counseling sessions reveal that money is a source of conflict for many couples ...

    Yet women are carrying less card debt, use less of their available credit and make more on-time payments than men.

    All of this has led to their 2015 average credit score standing five points higher than the average male score, at 675 vs. When Experian conducted a similar study in 2013, women’s scores averaged 675. The fairer sex’s edge in financial management is not limited to credit cards, however.

    Credit counselors and family therapists are not surprised.

    The main difference is the amount of information provided in the free yearly credit report that you get every year as part of the fair credit reporting act.

    A longer credit history indicates that you’re an experienced borrower worth lending money to.

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    Subscribe to the AARP Money Newsletter for more on finances, scams and fraud Did you know that you might be responsible for just the first of fraudulent charges on your credit card, no matter how much gets fraudulently charged?

    But with a debit card, you could be responsible for up to 0 unless you report the fraudulent activity within two days.

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