Credit Cards For Fair Credit

I knew when I married him a year ago that he had ,000 in student loan debt and doesn't even have his degree. And I'm just as responsible as him for running my credit cards up over ,000 from the wedding and honeymoon. (we had to use my credit cards, he doesn't have good credit) And we both have a bad habit of living outside our means. I don't mean nice clothes or a nice cars. We live in a tiny one bedroom apartment and both drive 20 year old cars. But we like to go out allot and go on vacations we really can't afford.
But seeing the credit card bills were getting larger not smaller, I told him we can no longer use them. At all. That we would have to try and pay for everything in cash. Well once again I see he's used them. Now I can see he's only using then for gas to work and trips to the super market. But each time he offers to go to the store to pick something up he's lead me to believe he had money to cover these things. And his work is so far from where we live ,that its almost costing us more money in gas, than is worth it. And he's been the (my) credit card for this.
I've talked to him about this before and I thought he understood. And now I'm trying to get him to understand that, that kind of behavior is living a lie. That he's lying to me by not "mentioning" to me that he's used the credit card again. This last bill I just got, we made a payment of 5 dollars and then he used it for 5 dollars and our finance charge is around and the card is maxed at ,500. I can't get him to understand we can't keep living like this.
It's so rare to find a man that doesn't grasp the concept of this kind of money denial. It's usually women that have issues with credit cards and living outside their means.
Before I got married I had a great credit score and zero credit card debt. Now my cards are maxed out and my credit score is fair at best.
I've only been married for 14 months now and I obviously married for love, not money. But I didn't think I was gonna be in debt the rest of my life. Combined we barely make ,000 a year and we're talking about having kids. I'm 38 and he's 39. So it's not something I want to put off too much longer.
How can I get him to understand that the first step to us getting out of debt is to stop using the credit cards and be honest with me about when you have used them? Aside from these money problems he's a very good man. I just don't think his father taught him about how to be responsible with his money.

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