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You've done a very smart thing and given your husband a definite advantage in the credit card game, and it seems you didn't even know you were doing it. Becoming an authorized user on something else's account is indeed a great way to build a credit history, or at least, to begin to build it. It even has a name: it's called piggybacking. While it's not the only thing you should do to build a credit history, it's a good start. Once your husband has had your card, or rather, his card, for several months, order copies of his credit report online and take a look. His credit should be better, as long as yours is good too. Soon, he can apply for a credit card of his own, and if his track record is perfect, you may find that his credit score has even soared past yours.