Yes, it is likely that you will be able to apply for shared credit when you get married. What we mean by this is that you will be able to apply for credit cards, loans, and other finance options together, basing the application on both of your incomes.  However, this does mean that you will both be in a position of liability. So, even if your partner loses their job and your financial situation changes, you will still have to pay it with just one income.  This also means that any activity that occurs on your shared credit accounts will affect both of you. This goes for both good and bad occurrences.  What we mean is that if your spouse pays all the mortgage bills on time, it will be positive for both of your credit scores. On the other hand, if you miss a payment, it can affect both of you.  Having shared credit also means that if one person has bad credit and the other person has good credit, you may struggle to get approved when applying for certain types of credit and loans. For example, applying for a mortgage with your spouse if they have bad credit can be difficult.