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29-Oct-2019 16:12

Secured cards are available at many banks and credit unions.

Money likes the no-fee one offered by Digital Credit Union, the interest rate on which starts at 11.5%.

For example, lenders might not approve you together for as large of a mortgage as you’d like or may only extend you one with a really high rate.

And if you can’t handle those terms, “you might find yourself completing an apartment lease application while you work to rebuild your spouse’s credit history,” says Griffin.

But if your partner needs you to co-sign or be added as “secondary” borrower, think twice. If your spouse falls behind on payments, the bank could come after your money.

(You must be a member of DCU to apply, though you can join with a donation to Reach Out for Schools.) The catch with a secured card is that it’s very easy to charge up to the credit limit, but that’s no good for your credit score.

Ideally, your spouse should keep his or her spending to less than 20% of the limit.

As the higher scoring spouse, it’s in your best interest to help your partner improve his or her credit.

Here’s how: Do encourage diligence about credit card payments…

But if your partner needs you to co-sign or be added as “secondary” borrower, think twice. If your spouse falls behind on payments, the bank could come after your money.

(You must be a member of DCU to apply, though you can join with a donation to Reach Out for Schools.) The catch with a secured card is that it’s very easy to charge up to the credit limit, but that’s no good for your credit score.

Ideally, your spouse should keep his or her spending to less than 20% of the limit.

As the higher scoring spouse, it’s in your best interest to help your partner improve his or her credit.

Here’s how: Do encourage diligence about credit card payments…

“There’s no easy way to separate yourself from it,” says Ulzheimer.