Partner credit card or not?

dazanteney4

Hi all, just a quick question.
My partner doesn’t have much form of credit as all the bills other than the mortgage is in my name (mortgage is both).

Is it worth just getting her a small credit card to use for fuel etc to build her score/history for the future? She has had CC's in past but she got rid of them about 36 months ago.
My credit file is ok but maybe only being held back because most of the credit agreements are in my name.

P.S - the credit we currently have is a credit card (nothing on it as used for basic purchases), Gas/Electric, Mortgage and furniture (0% with oak furn land).

Thanks!

[Deleted User]

Yes. It's always worth having some kind of sound credit history.

Use the card regularly and pay in full each month.

Not sure what you mean by your credit file being held back due to having credit agreements in your name though.

dazanteney4

Deleted_User wrote: »

Yes. It's always worth having some kind of sound credit history.

Use the card regularly and pay in full each month.

Not sure what you mean by your credit file being held back due to having credit agreements in your name though.

Just under my name on my file i have the CC etc... my OH has nothing.

[Deleted User]

Your credit file won't be held back by having a credit card.

The opposite is true, in fact, assuming you are using it correctly.

dazanteney4

Is there anything else i could do in order to build her credit file?