I recently heard of someone who, like many women, merged her bank account with her husband’s when they got married.
A few years later the marriage broke down and she discovered their credit card was actually held in her husband’s name, with her as an authorized user.
Not having any recent active credit card history then worked against her and it took her two years to get her own credit card.
The moral for marrieds is:
If you have a joint account consider also having credit cards in independent names.