<prompt> Human: I am 21 years old and planning for the future. I have a solid credit score and have never missed a payment. Most months I pay it off before the statement comes in so my statement is usually 0. My wife does not have a credit card but she is an authorized user on mine. We currently rent a home but we would like to buy one a few years after I graduate in May. I am concerned that her lack of credit history may hinder our loan interest when getting a mortgage. Is this the case? Should my wife get her own credit card to build credit? I know very little about this topic and would like to learn more. Thanks for the responses in advance!  <response>: Should my wife get her own credit card to build credit? Yes. 