Wife's credit card history

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3 posts
Michael
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Wife's credit card history

Postby Michael » Fri Aug 30, 2013 3:09 pm

I have two credit cards in my own name with my wife as authorized user, and my wife and I also have a joint card.

The first two cards in my name have better rewards.

If we use the joint card it will help my wife's credit.

If we use my two cards, we get better rewards.

The question is: If we use the joint card occasionally to keep it in good standing, but mainly use the other two cards, will my wife's credit suffer more than if we used the joint card steadily, instead of one of my cards?


Robrus1
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Postby Robrus1 » Fri Aug 30, 2013 3:22 pm

Nope. Your wife's credit won't suffer regardless of frequency of use on the card. As long as it's paid on time, that's all that matters as far as her score being negatively impacted. Just put ten or twenty bucks a month on it and pay it off when you get the statement.
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takeshi
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Postby takeshi » Sat Aug 31, 2013 9:48 am

Michael wrote:The question is: If we use the joint card occasionally to keep it in good standing, but mainly use the other two cards, will my wife's credit suffer more than if we used the joint card steadily, instead of one of my cards?

Usage mostly affects scoring through utilization. Scoring is not affected by the number of transactions.



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