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And because the Credit CARD Act prohibits people under 21, or anyone unable to establish the ability to pay, from opening a credit card account without a co-signer, more consumers will rely on authorized user status or joint account status to obtain credit, says Guarav Gupta, director of consumer lending and risk at Novantas, a consulting firm for the financial services industry.Here’s what you need to know before you share a credit card account.“Only add authorized users or (become) joint account holders who you trust to make payments and who will not abuse the credit card account,” Williams says.After researching 19 top webcams and testing six, we think that if you need a webcam for video calls, streaming, or recording, you should get the Logitech HD Pro Webcam C920.

“Usually, authorized users have no idea what’s going on and, while they aren’t responsible for the debt and can’t even take their names off the account on their own, they could get hit with the negative trade line on their own credit report and get a lower credit score,” Williams says.However, that shared responsibility can also be the “down side” of a joint account, Gupta says.“In case the relationship (between the two account holders) sours, there’s a great chance for disagreement,” he says.Since anywhere from 60 percent to 80 percent of credit card lawsuits end in default judgment, one assumes this is not an infrequent occurrence.” For joint account holders, the advantage is sharing financial responsibility and helping one card holder qualify for the credit they desire, says Wayne Sanford of New Start Financial Corp.Generally, holding a joint credit card account is a good way for couples to manage household expenses, and both parties are legally responsible for the debt.

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Joint account holders, on the other hand, actually share ownership of the account and both are liable for repaying the debt.

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