Not that this belongs here but you guys are all pretty smart. My wife never had her own credit card, I simply added her name to my account when we got married. We were thinking of getting one of those new fangled ones with all the airfare miles and she was gonna just establish the card herself for the two of us (I'm away right now so it's easier this way). Question: Since she never established a card herself does she have "bad" credit even though I have very good credit? Or does "our" credit just carry over from now on? Thanks in advance.