Can I receive social security at 62 based on my credits and then when husband is 66 get full 50 of his as spousal because it is higher.?

Yes, you can claim Social Security at age 62 based on your own credits. When your husband reaches full retirement age, you can switch to claiming a spousal benefit equal to 50% of his benefit if it is higher than what you receive on your own record. This strategy may allow you to maximize your benefits.