<prompt> Human: Hi PF, I looked on the subreddit Wiki and Googled around, but didnt see anything that really pertains to this question. So the situation is that the spouse does not work, nor have enough credit history to obtain a credit card on their own. Would opening a bank account in their name, with a direct deposit from my own paycheck, help build their credit? We are in the USCA, if that makes any difference.Spouse is already an authorized user of a few credit cards, and we have a joint savings checking account at one bank. The general takeaway from what Ive read is that it just takes time and continued on-time payments.Thanks ahead for your input.  <response>: no, it would not do anything 