 TITLE: The Pros and Cons of a Joint Credit Card CONTENT: Pros of a Joint Account\n-----------------------\nA joint account can be useful for people who want to share the responsibilities of card ownership. A few of the advantages include:\n*   **An account owner with lower credit scores can get access to more favorable terms.** If one of the cardholders has less positive credit history than the other, they can take advantage of the joint account holder's higher credit scores to gain access to better interest rates and higher credit limits on a credit card.\n*   **A joint account can help account holders improve their credit.** If the account is kept in good standing—meaning payments are made on time, every time—a joint account can help lift the credit scores of a cardholder who could benefit from positive credit history. It can be a useful way to build and establish credit for someone who needs it.\n*   **Fewer bills to keep track of.** A joint account can make it easier to manage bills each month. That can help account owners, like a married couple, simplify their finances. Both users can also share all the privileges of a card, like credit card travel rewards or cash back. END