 TITLE: The Pros and Cons of a Joint Credit Card CONTENT: How Adding an Authorized User Is Different From Having a Joint Account\n----------------------------------------------------------------------\nWhile many financial institutions don't offer joint credit card accounts, authorized-user arrangements are easy to set up through most major credit card issuers. An authorized user is allowed to make charges to the account, but since they're not responsible for making payments, there's no risk that they will fall behind on the arrangement and damage the main cardholder's credit with missed or late payments.\nOf course, there is the risk that they will charge more than the main cardholder is willing to repay. There is an option that can help you avoid this issue, however: Many card issuers allow the primary account owner to set spending limits for authorized users. You can also remove an authorized user from the account at any time. This allows for more control over the account than a joint account holder arrangement provides. END