I agree with others you have a bigger problem than using the credit card but easily solved if you are two reasonable adults in a partnership.
You need to sit down with her and discuss openly the finances: where you are cash wise this end of year and what is your expected cash flow for next year. Then discuss what are your planned outgoing including spend like holidays, birthdays, reno if any, etc.
Agree where you should BOTH cut down: if she cuts down on xmas, where could YOU cut down?
Then agree a budget and a house budget.
Then stick at it.
Including in the house budget should be her own spend albeit maybe leaner this year?
You should also have discussed a xmas budget.
I m your wife in this scenario however I manage the run of the house and all other budgets related to our living, my husband manages the rest but everything is transparent. That way, we trust and recognise each other spends. The big ones like renovation or furniture is always pre agreed by both.
You must man up and trust your wife so start talking instead of winging