Q. I have a question about credit when retired. My spouse applied for a gas credit card and was denied due to lack of credit. I applied and was approved. We realized that our banking and existing credit cards are in my name only with my spouse as an authorized user and/or joint owner on brokerage and savings. We are concerned about what would happen should I pass away. Shouldn’t credit companies look at dual income and dual credit accounts when married? — Husband A. We’re so glad you’re asking. Each person’s credit belongs to them individually. You have a credit score, and your spouse would as…