I think I screwed up my marriage...

Do so by being proactive about not letting this kind of thing ever happen again. You need a financial adviser. Talk to your bank about getting a referral to someone who is reputable and won't cost you an arm and a leg.

Running up the credit card = a low credit score which means it's harder to get loans and if you get any offers for more credit or for loans, the interest rates and other terms are unfavorable. Fortunately, you can turn this around (although it will take a while) by paying on time or early, every single time. Stop buying on credit until you have dug yourself out of the hole.

And don't just pay the minimum, or you'll be in debt forever.

Your husband also needs to own up to his part in all of this. Unless you truly and actively lied about affording cars (as opposed to "don't worry about it" or something equally ambiguous), he is a big boy and should have asked more questions. In the end, when a competent adult signs a contract or a tax return, they are responsible even if they didn't read the document.

I am not saying your husband should not have tried to trust you before. What I am saying is most people can't afford really expense champagne stuff and he would have to be truly naive and foolish to think you could, particularly if there were other flags (e. g. less expensive clothes or food or the like, smaller gifts, smaller vacations, etc.) showing him your pocketbook was more beer than champagne.

But either way, even if you actively and truly lied to him about finances, your best bet is to actively work for it never to happen again. And that means far more than a promise.

Oh and see if there's anything you can sell, even at a loss, particularly of his expensive toys. While he didn't actively get you into this mess, he is still responsible for half the costs and it would be helpful if you could unload the car or whatever and get some ready cash to pay down your debts.

Of course. But you better get your ass in gear and build a plan to get yourself and your husband out of the difficulty. Lots of couples have made similar mistakes and pulled through. Get some help with budgeting. Stick to the plan.

Did he contribute in any way? (You said he got to stay home and start up his own business. So he just was allowed to spend his $$ on himself? )

This could have been written about an indulged child who has no concept of money. And you got stuck with reality.

What is the interest rate on your card? Maybe you can get that down.