 TITLE: The Pros and Cons of a Joint Credit Card CONTENT: Cons of a Joint Account\n-----------------------\nJoint credit card accounts have some major disadvantages. Before opening one, take these into consideration:\n*   **Both account holders' credit history will be affected.** If one credit card user racks up a lot of charges on the account or payments are missed, both of the account owners' credit scores will take a hit. Both joint account cardholders are equally responsible for paying off the card's balance, regardless of who incurred the charges.\n*   **Disputes over the card can cause issues in a relationship.** A shared account can lead to disagreements if both users don't agree about how much to spend or who should make payments.\n*   **Changes in the relationship can make things complicated.** If you divorce or experience another kind of separation, you will need to close or otherwise figure out how to move forward with the account. It's also possible that one user could purposefully spend or skip payments to hurt the other's credit. END