Should i have a credit card and pay promptly to improve credit score?

My spouse has a credit card in her name and we both are paying it promptly , i was wondering if i need to have one on my own to improve my credit score !! any thoughts?

Public Comments

1. If you don't have a credit card or credit history you will have a hard time building your credit. For more information read this article at: http://www.monitorbankrates.com/how-to-build-maintain-and-repair-your-credit
2. Read This : " 90 Days To Drastically Improve Credit Score " Here : http://www.flixya.com/post/GOLDCash360/803018/ ...
3. YES