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stucknmidwest

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adding wife's info or does it need to be a separate account

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If you account is in good standing with decent limits, a long history and low utilization, you can add your wife was an authorized user and she would reap the benefits that you have worked for.   She would hold no legal liability for the account itself, although as authorized user, she would not have access to the account unless she had your login and username.   You can contact the credit card company and see if you can add her as a co-owner, co-applicant of the account without changing the account itself.   When she is co-owner/co-application she would hold legal liability for any charges and you can add her income to yours for a potential increase in your credit limits.  

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Reply by
faidros

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Correction, legally, as the spouse, creditors can come to her for payment as married spouses do hold some legal liability.  Make your determination on the accounts which would do her the most good and as a result, do you the most good. 

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