[quote=plm]When we got married, wife didn’t have any credit so I just added her to my accounts but now she can get separate cards. The only bonus I ever got was a beach towel for my first credit card while I was in college.[/quote]

You did the right thing by adding wife at first to build her credit. If you are not a travel type, you can still get yourself $1000 in cold cash by signing up for one chase card each each year.

I also, like a sucker, signed up for CCs in college at the picnic tables to get t-shirts and other stupid crap. For this reason, my credit report show like 40 accounts opened in the late 90’s with no activity on them ever. I did not cause any negative impact, but it looked silly.