If I get a credit card through my husband will this increase my credit score?

Cassandra B-K asked:


I’ve applied for credit cards everywhere, but all of them turn me down because I have insufficient credit history. My husband however can get a credit card. We would really like to build up our credit so in the future we have a chance at good mortgage rates. If he gets a card and puts me on it so that I have one will this increase my credit history and thus my credit score?

Monica

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3 Responses to “If I get a credit card through my husband will this increase my credit score?”

1. Mrs. SDB Says:
   April 23rd, 2009 at 10:27 am

   Josephine

   If your husband adds you as an additional on his account, it can only affect your credit positively. If the account would go into default or anything like that, it wouldn’t be noted on your credit report, just your husbands.

2. craftybooks Says:
   April 24th, 2009 at 11:41 am

   Lucy

   Yes, it will go on your credit report if your name is on the card.
   Just make sure the payments are made on time.
   As far as improving your joint credit limit I doubt that- that depends on your joint income.

   To help build up your credit score you may want to open store credit cards or gas cards and pay them off monthly to show a history of paying bills on time. Just charge small amounts and don’t spend up to the credit limit, pay off the balance in full each month- to protect your credit history.

3. Box D Says:
   April 26th, 2009 at 10:47 am

   Joe

   Get a credit card from local bank and pay it in time. You also can use this service to avoid common mistakes while buiding credit and pre-estimate future scores for different scenarios of payments - freecreditreport.sinfree.net