My wife has always been an authorized user on some of the credit cards I've opened. She doesn't believe that we should have more than a couple cards and she thinks we shouldn't open any new cards. I'm trying to determine if she should really be the primary cardholder on at least one of her own cards rather than always being the auth user. I'm looking at this from a credit report and history perspective and not in terms of getting the signup bonuses on new cards since she won't be up for that. Any thoughts on whether it's more beneficial for your credit report to be a primary card holder than always an auth user? Most of the info I find is the benefits of being the auth user and building up your credit report.