<prompt> Human: Im not at all informed about this topic. Your advice would be appreciated!Assistant: If someone married someone, and they dont trust them with finances, they made a mistake. Pros:My wife has access to my credit history, as she does not have very much in her own name. This allows her to buy groceries, and other things for the house. We can get the extra points for using the same card for purchases in certain categories.Cons: There really shouldnt be any if you and your wife are on the same financial page. However cons can be they overspend on your cards, however in a divorce I assume they would split up the debt evenly as well.Human: Its not that I dont trust my wife, I just didnt want to lower her credit rating she most likely has better credit than I do.  <response>: Only add her to the cards that are impeccable then. Your credit score as a whole doesnt get added to hers, just the ones for the cards you add her too. I actually was in a similar position with my fiance where I only added him to the cards that had a perfect payment history missed one payment on a card back in 2011 and its still affecting my score and hes actually got a higher score then myself now thanks to that. 