Should I Add My Spouse to My Credit Card Accounts?

Adding your spouse as an authorized user to your credit card won't hurt your credit score, but it could help your spouse's.

Happy senior couple
(Image credit: Getty Images)

Q: I have a credit score of more than 800. My new wife has a much lower score. I'd like to add her as a co-borrower on some of my credit cards. Would that negatively affect my credit?

Don't worry. Your credit score reflects only your credit history, so your score will not include your wife's accounts. But her score will go up when she becomes a joint owner because her credit report will include your accounts' history.

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