Why is she so reluctant to pay off her credit card debt?

To me it would depend on the partnership the other 364 days. For me and my husband, it’s just another day cause the other 364, he’s an amazing partner to me. I joke with him that even tho HE picked the wedding date, he still forgets haha it doesn’t bother me if he doesn’t do anything special cause he treats me amazing and visa Versa every day. If your bf isn’t, then reevaluate your relationship and if you want to continue. I don’t care much but you might so setting those expectations with him is your first step. If he ignores you, then move on without him.