I searched for this question and found a similar one but wasn't able to find the answer to specifically what I'm asking.
My wife and I share a credit card. I believe that she's actually the primary cardholder, simply because she's the one who opened it; so I guess that makes me an authorized user on her account. But we share all of our finances; we have one checking account, one savings account, etc. We always pay the card on time and don't have any debt.
My question is basically just about credit score. For me to use this shared card of ours, am I building good credit the same way I would if I had my own card? If not, am I building credit at all?
Part of the reason I'm asking is that my wife and I both asked this question of the bank issuing our card (it's a Chase Sapphire card), and we were given conflicting information. The person I spoke with assured me that I'm building credit the same way I would with my own dedicated card. The person my wife asked said that I'm building some credit, but not as much as if I had my own card.